Can an employer deny short term disability if you dont carry their insurance they don't have light work?
I'm not quite sure I understand your question. What does light work have to do with it? Here's information on CA Mandatory Short Term Disability
8 people found this useful
Can you receive short term or long term disability for pregnancy if you doctor puts you on light duty but your employer cannot accommodate this light duty or any other job at the company?
Most likely, yes. File a claim and have your doctor complete the Attending Physician's statement as well as your specific limitations and restrictions. Then have your employer provide you something in writing, stating that they cannot accommodate your limitations and restrictions. Provide this docum…entation to the insurance company along with whatever other paper work they require.. Check your policy for key definitions:. Own occupation policies will pay a benefit if you are unable to perform the material and substantial duties of your job. . Any occupation will pay a benefit only if you cannot perform any work. . Total disability . Partial disability (MORE)
Can a term life insurance that is filed before the two year mark be denied based on employment discrepancies saying that the insured lied about employment?
Answer . Yes. If the insured provided ANY information that he or she knew to be fraudulent the insurer has no legal obligation to honor a claim against the policy.. Answer . The two year contestability clause allows the insurance company to cancel you policy if they find any cause such as lyi…ng on an application. After the two year period they can not cancel the policy nor deny a death claim. You will be refunded any premiums you have paid. Bottom line, DO NOT LIE! (MORE)
Can you get short term disability insurance if you are pregnant and have coverage through your fiance's company and did not elect short term disability at open enrollment with your employer?
Answer . Its sort of like wanting to buy Life Insurance after you die isn't it? I am sure you can get SDI but not to pay you when you take maternity leave.. There are three parts to this question and answer: 1 - You can obtain short term disability coverage if you are already pregnant. It wil…l cover you for accidents and illnesses only. Your future pregnancies will be covered if you continue the policy. 2 - Open enrollments are attached to programs you select on a pre-tax basis - per IRS Section 125 rules. You can pay for short term disability on a post tax basis, and enroll at any time. When you pay the premium using post tax dollars, your benefit is tax free. 3 - You should get short term disability at your place of employment. If your employer does not offer the option, its easy to ask for the benefit since you are paying the premium, not your employer. You do not qualify for benefits at your fiance's employer until you are married. (MORE)
If collecting Short Term Disability from employer because they wont accommodate light work load from Dr note can you get second part time job with light work load and still collect short term disabily?
Answer . Is the employer the DI company (self insured) or is there a DI company? Ultimately you would need to ask the claims department.
Long term disability benefits may be a benefit of employment, or provided under an individual policy purchased by the insured. In either event, the terms of the benefit will be defined in the plan or policy. These include the duration of time that the insured must be out of work, due to a disabling …injury contemplated by the policy, before being entitled to payments. That period of time is called the "elimination period". (MORE)
Georgia does not have state disability insurance. You need to approach your employer, and ask to make the option of short term disability coverage available to you and your co-workers. It is something you would pay for yourself through payroll deduction, so there is no direct cost to your employe…r. (MORE)
Answer . Yes. Once it has been determined by your medical doctor that you are able to return to work again, you are expected at work the next day. If you fail to show up for work, the company may consider it a 'voluntary quit' and/or terminate you.
Perhaps the plan is only for a specifc category or job function. You can still get your own private SDI coverage. I can help. 4LifeGuild
Are short term disability benefit payments taxable for an employer provided and paid short term disability plan?
Answer . Yes, all employer paid benefits and wages are taxable. There is a way around that if you are an executive. 4lifeguild
If you live in Nevada an employer does not have to. In fact the Nevada will defend the employer, if an employee is injured on the job and the employer does not have W/C Insurance. I've been though this.
NJ has state mandated coverage, and PA does not. The NJ disability plan covers NJ workers, not NJ residents. Check your paystub, and you will see that no deductions are being taken out for NJTDI. Short term disability insurance is available through private insurers for PA workers.
Can your employer cancel your health insurance when you are on short term or long term disability because you did not make a payment on your insurance like is normally done through your paycheck?
Your employer's obligation to pay premiums normally stops when your paycheck does, that is, when your medical and personal leave is exhausted, and there is nothing left to deduct the premiums with. When that happens, the insurance company, not your employer, cancels your health insurance for lack of… premiums. There are many ways to avoid this tragedy, including donation of leave by co-workers, if permitted, to keep the paychecks coming, or employer paying premiums for you until you are able to return to work. Good luck. JJ (MORE)
Unless your state was very liberal, to qualify for disability ,of any length, you have to establish your inability to work, and you are still working so it stands to reason you could not collect.
Short Term Disability Insurance replaces a portion of your income should you become sick or injured and unable to work.
Your short term disability benefits, and any employment decisions are unrelated to one another. An insurance carrier pays your benefit. Your employer may be bound by FMLA rules and regulations if there are more than 50 employees. FMLA requires your employer to hold your job for a specified time f…rame. (MORE)
There are 2 ways to look at this question. If you are employee ofthe State of GA, your benefit plan doubtless includes short termdisability insurance. If you are employed privately, or have your own business, there aremany companies that write short term disability insurance. Yourstarting point woul…d be to go to a licensed life and healthinsurance agent (as these kinds of agents also deal with disabilityinsurance). The agent must be licensed in GA is the policy is to beissued there and the insurer must be authorized to issue thosekinds of policies. If you have any doubt, contact the GA Dept. ofInsurance to confirm the licensure of the agent and the authorityof the insurer to issue those kinds of policies. (MORE)
If I am out of work for leg surgery and do not have insurance with m company how can I get short Term Disability or any compensation to help pay my bills while I am out?
If you are currently injured and unable to work it will be very difficult to get coverage, and your current injury will be considered a pre-existing condition. You need to buy insurance when you are healthy, not after you get sick or injured.
It's difficult to know the percentage of employers offering short term disability. There is no state mandated program as in other states. Short Term Disability is available to most employers as a voluntary employee benefit. Because you and your co-workers will pay the premium via payroll deductio…n, it's easy to get your employer to agree to offer the benefit. Your employer only needs to forward your premium to the carrier once a month. (MORE)
Can you purchase a second short term disability insurance if you already have short term disability insurance through your employer?
Yes you can get supplemental coverage. Most carriers will limit the total benefit amount to under 70% of your income. For example, if your current policy replaces 35% of your income, you can purchase a supplemental disability policy to replace an additional 35%
Assuming that you are referring to short term disability insurance, it is intended to replace income when the insured is unable to work due to an injury or medical condition that is not excluded by the terms of the policy. The reference to "short-term" distinguishes the coverage from long-term di…sability, which, assuming conditions are met, can have payments that last for years. Short-term disability policies ordinarily provide benefits from anywhere between 60 days to a year or so. Many employers offer short-term disability coverage as a benefit of employment. The amount of the benefit is usually based upon the employee's earnings at the time of disability. It also usually declines over the term that benefits are paid; for example, it may pay 100% of lost income for the first month or so, and then slowly decline toward the end of the term. Short term disability plans can also be privately purchased from insurers. Like many other forms of insurance, these kinds of policies may be "medically underwritten", meaning that whether or not an applicant qualifies will depend upon health history. Likewise, the insurer will be interested in earnings history, because the purpose of the coverage is to replace income, not to be a money-making proposition for the insured. It is very important to ensure that any insurance that is purchased is issued from a licensed insurer (sometimes called an "authorized" insurer), and that the insurer is authorized to issue insurance in your state. This information can be obtained through the office of the state insurance regulator in the capitol. Be sure to find out from the agent/insurer the name of the entity that is financially responsible for the payment of claims, as it is that entity that must be licensed. A product name that sounds familiar is not sufficient and is not a guaranty. (MORE)
It depends - on your short term disability elimination period. If you live in a state with mandated coverage, check with your state's department of labor. If you have a private policy, see what elimination period you selected. The elimination period can be as short as 0 days for accidents, and 7… days for sickness, or as long as 3 months or more. (MORE)
Do you have to pay back short term disability benefits if you don't go back to work from maternity leave?
You do not need to pay back the benefits. The insurance paid a benefit for the time you were physically unable to work because of your delivery.
You received short term disability from your work place for a car accident if you settle with the insurance company that is responsible do you have to pay back the short term disability check?
It depends on the STD contract, so whether or not they can do this can vary from contract to contract. The first step is to ask the STD insurance company to provide you with the exact wording in their policy which states that their liability is reduced due to auto insurance benefits and/or settle…ments. Typically such provisions will exist, but almost always it will specify that the reduction only includes the portion of the auto insurance payments that are made for lost wages (or "wage loss benefits" as they are often called). Other monies (such as for the damage to your car, for medical bills, your own lawyer's fees or pain and suffering if applicable) typically should NOT affect your STD benefit, even if they are co-mingled and paid out in a single check. Not always, but often (especially in richer STD contracts), the STD policy will specify only that " No-Fault Wage Loss" (and/or "No-Fault Wage Loss Benefits required by a state or other jurisdiction") will reduce their benefit. These wordings provide a higher (narrower) standard than just merely considering any wage loss benefits, and is a difference worth paying attention to. Whether or not the payments are No-Fault Wage Loss benefits vs. just regular Wage Loss benefits is something probably only the auto insurance company can answer, as it can get very complicated: Some states require no-fault wage loss coverage, some make it optional with special consequences, and driving in a state other than where you live, driving a rental car, a company-owned car, or simply a car that you do not own could also affect exactly what sort of wage loss benefits you are entitled to and how they are characterized. If the disability claims analyst is good at their job, they will verify with the auto insurer what the payments actually represent before making their determination. Most of the time they are correct, and it is likely that you will indeed need to pay some or all of those monies back to the STD insurer. That being said, I have seen in a few rare cases where the STD carrier attempted to collect wage loss auto benefits based on assumptions without actually verifying the details, and ended up being wrong. For example, if the no-fault wage loss auto benefits were purchased voluntarily (not required by law) and the STD analyst doesn't even realize that option is possible, they may make certain assumptions about how it is treated just because they've never seen it any other way. Due to the wording in the STD contract, it is possible that such (voluntary) wage-loss benefits in fact could meet the STD contract's definition of other individual (non-group) STD insurance and therefore untouchable, even though it happened to be purchased through an auto carrier. So you need to be careful and verify it yourself with the auto insurer, STD policy in hand, before you will know for sure if its being handled correctly. Contacting your insurance broker and/or an attorney may also provide you with additional counsel and advice. (MORE)
Stress and Anxiety are both difficult conditions to assess when claiming disability insurance benefits. This is because Stress and Anxiety can be difficult conditions to diagnose. Unlike many illnesses, these conditions can not easily be diagnosed using medical exams or tests. Instead much of the di…agnosis is based on a patients report of symptoms. Nonetheless, Yes a claim can be made for stress and/or anxiety. (MORE)
Wisconsin does not have state mandated short term disability insurance. Benefit checks are sent by the insurance carrier that issued the policy - not your employer.
Short term disability commonly covers normal labor and delivery, provided the coverage begins preconception. In other words, the coverage must start before getting pregnant not after. Pregnancy is considered a pre-existing condition. The specific language varies by insurance carrier, and by state…. Some policies will exclude normal delivery when conception occurs prior to the policy effective date. Others will exclude normal delivery when it occurs 9 or 10 months after the policy effective date. Check your policy for details. (MORE)
The Family Medical Leave Act provides 12 weeks of job protected leave, and applies to employers with 50 or more employees. If you are out of work longer than 12 weeks, and/or your employer has less than 50 employees - you can be fired.
Usually not, unless you can prove your injury did not happen at work and having it listed as such was an error (made by someone other than you). I know being injured is the worst, dealing with people who want to give their 2 cents worth about your medical care is the pits, but if you have to be i…njured there are worse things than WC. Not suggesting you (or anyone) should take advantage - just think you should know what you are entitled to. Because WC only pays for these things if you know they are supposed to. (Check out what the particulars are for the state you live in.) Assuming an injury occurred at/or was caused by - work + WC vs STD the benefits to WC : + WC payments do not have to be claimed on your taxes - (STD is taxed) + Receive WC and state benefits if you are taking a hit on take home pay - the amount you receive by WC subtracted from what you are entitled to on STD - STD makes up the difference. +Your ability to see a doctor is guaranteed: If you don't like the doctor WC sends you to, you have the right to a second opinion and after 30 days the right to see a doctor of your choice. +WC pays for many services that most standard insurances won't (like acupuncture - massage - psych care - without deductibles or arbitrary limits - hospital care 100%) +WC doesn't stop paying after x amount of time just because x amount of time passed. +WC pays pharmacy - including OTC - if your doc orders it. +WC pays for other services or equipment (durable medical) that STD won't cover. +WC pays gas mileage. +WC will retrain you if you are unable to return to U&C employment. (MORE)
It may depend on the state, but usually no, not unless you have a medically diagnosed and approved reason.
If you are on maternity leave from work and your employer will allow you to work from home can you collect short term disability too?
Being pregnant is not a short term disability issue and definitely was not caused by a work place incident.
If you are released to return to work after being on short term disability and no work is available can you apply for unemployment insurance in Illinois?
Because the disability and lack of available work were no fault of your own should be no reason you would not be eligible for unemployment, on those issues.
Yes, unless you pay/reimburse the employer for the insurance premium out of your own pocket.
An employer can discontinue employment for multiple reasons, including your inability to work. If your short-term disability was through your employer, and you didn't have a long-term disability insurance policy, your employer is not obligated to continue paying your salary or sick-pay benefits beyo…nd your short-term disability policy. (MORE)
No there is no state disability in Arkansas. You will need to buy a private policy.
Yes. If the employer paid the premiums for the disability insurance payments that you are receiving. And you will have some taxable income that you will have to report on your 1040 federal income tax return.
Can an employer fire you if you were on short term disability and under the doctors care and returned to work after doctor released you on the date indicated on the release?
Most employment in the US operates under an "at will" principle, meaning that an employer can fire you pretty much any time they want to, as long as they are prepared to prove the firing was not discriminatory in nature. So, bottom line: Can they fire you? Yes, they can. Can you sue them for wrongf…ul termination? Yes, you can. Will you win? That's what courts are for determining. (MORE)
While you are on leave you have the option of continuing your insurance coverage under the same terms as when you were employed - provided your employer is bound by FMLA. Once your FMLA leave expires and you remain disabled you can continue medical benefits via COBRA.
How can a disabled worker with a non-work-related injury in Arizona get compensated if he has not purchased his own short-term disability insurance?
If the non-work injury was in a car accident, auto insurance pays STD. Otherwise, if you didn't provide for your income security, you have none.
Short term health insurance is temporary coverage designed to fill gaps in coverage. Short term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs, waiting for other health insurance to start, so if that is the case then… you may want to look into it. (MORE)
What happens to your group term life insurance from your employer when you go on long-term disability?
As long as you're still on the payroll of the company, your group term life insurance policy should still be active. Denise Mancini Disclaimer: I work for AccuQuote and this is my personal opinion.
Can you receive short term disability from your employer and benefits from car insurance for lost wages at same time?
It depends on the state you live in, the Short Term Disability contract, and other factors. Most employer-sponsored group disability policies will reduce (or "offset") the disability benefit due when STATE-MANDATED "no-fault" wage loss benefits are payable under an automobile insurance policy. On… the other hand, many (but not all) employer-sponsored group disability policies will NOT reduce the disability benefit due when the customer purchased wage loss benefits through their automobile insurance that were NOT required by state law, and it is treated as an individual disability policy. This is a rare occasion when it is theoretically possible to earn as much or even more from the two policies than you were earning prior to the accident. How it works can be further complicated when you are driving in a state other than your home state (for example, when that state mandates NO-FAULT wage loss benefits you may have them even in that state though you didn't know it), driving overseas (where your auto policy may not provide coverage), driving a company car, or driving a rental car with additional insurance purchased. As a result, it is always a good idea to apply for all insurance benefits available even if you suspect your total income may not go up as a result. (MORE)
Is an employer obligated to pay health insurance premiums when an employee goes on short term disability when they normally pay it if employee is not on short term disability?
The employer is obligated to follow its own written policy about employees out on short-term disability leave. The employer cannot, for example, pay for the president's health insurance when she is out on STD leave and then not pay for the entry-level clerk's health insurance when he is out on STD l…eave. If the employer does not have a written policy, then all employees who take a disability leave should be treated the same. (MORE)
You do have the option to get an individual plan for Short Term Disability Insurance! The advantage is that if you change jobs, you take the plan with you. Same goes for involuntary job loss, you're still covered if you lose your employment. Also, some employer plans do not cover off the job injurie…s or disabilities, while individual plans cover you 24/7 for any illnesses or accidents. You should talk to a good agent (see below) to discuss all options available to you.. (MORE)
Generally speaking you would not capitalize short term disability insurance, workers' compensation insurance, and other categories of insurance (just as the New York Times does not). There are a few exceptions, however. For example, inside actual insurance contracts many insurance companies us…e capitalization to signify that it is a specialized term defined elsewhere in the contract. So if you are quoting from such a contract or referring to their term and/or referring to that specialized meaning, then capitalization is certainly appropriate. Additionally, some argue that when you are referring to a specific short term disability policy (instead of the general class of insurance) that elevates the meaning so capitalization is up to the user. I have seen many employee handbooks, for example, that capitalize it when referring to the firms own policy, and it would not be uncommon to see it written "In the event of a short term disability of four days or longer, please contact your supervisor for a claim form so that a Short Term Disability claim can be filed as quickly as possible." I do not know if that is actually proper, but it is common enough that it could hardly be considered an outright faux pas. Like most things it is probably a matter of personal style. If you are writing a paper or trying to be formal I would err on the side of restraint and leave it all lower case. (MORE)
Is an employer required to continue paying health insurance benefits if an employee is short term disabled in New York?
No. They are required to continue to offer coverage, but they are not required to continue paying for it. You would be responsible for the full premiums.
An employer can try inquire an employee to return to work, but if your attending physician considers you unable to work, you are still considered disabled. However, employment could be terminated if there are signs that you can no return to work anytime soon. Make sure you have a long-term disabilit…y policy in place, either through your employer, or even better - an individual disability insurance policy. (MORE)
Most auto insurance policies have an optional coverage called work loss coverage that will pay for some amount of temporary disability if you are injured in an auto accident and have chosen to purchase this option on your policy.
Short term disability insurance is seen as a stop gap for those who have become incapacitated while performing duties at work. As such, these workers are paid a portion of their salaries until they are fit enough to resume work at a later date.
Your question can be interpreted in two ways, so I'll answer them both: The first answer assumes you want to know how to apply for COVERAGE (as in, "How do I get a short term disability insurance policy?"). My advice is to contact an independent insurance broker in your area specializing in life …and health lines of coverage (of which disability insurance is a subset) and ask them for quotes and advice. The National Association of Health Underwriters has a "find an agent" feature that may help in this (in related links). The second answer assumes you want to know how to apply for BENEFITS (as in, "How do I file a short term disability claim with my existing disability insurance company?"). Most disability carriers make it very easy to file a claim on your policy. You should contact them to get the necessary paperwork, or if you went through a broker to buy your coverage you may want to talk to them instead. If you have coverage through your employer you should talk to your HR department or your supervisor on how to file a claim. Many group short term disability plans offer telephonic filing or online filing, which makes the process even easier. (MORE)
They can but there is no requirement unless the employer has workers in states with mandates. Five states require coverage: California, Hawaii, New Jersey, New York, and Rhode Island. In the remaining states the choice is up to the employer. It makes sense to offer a short term option as most group… long term disability programs come with long waiting periods before benefits begin - most are six months or longer. Many employees can't lose six months of income. The majority of American workers live check to check. (MORE)