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Yes, you can still qualify to get disability insurance even if you had injuries or illnesses before. Depending on the status of your injury, it may be covered by a new disability insurance policy, or excluded. If your injury is excluded, it may still be covered in the future if you show improvements and are no longer affected by the old injury. You will have to ask the insurance company to remove the exclusion
Wiki User
∙ 11y ago
Wiki User
∙ 13y agoYou can not get disability insurance after you are hurt and expect it to cover your lost income from your existing injury.
You may be able to get a policy to cover future accidents and illnesses. You will need to qualify medically. Every insurer has different underwriting guidelines, so speak to several different companies.
The type of injury you suffered, the length of time since your injury, and your degree of recovery will all factor in to your ability to qualify for coverage.
Wiki User
∙ 14y agoonly if it it permenent.
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Can you insure yourself against injury?
Yes, you can buy disability/dismemberment insurance.
Disability ins. benefits pay due to a covered accidental injury. What are the covered accidents?
True Disability insurance does not just pay for a covered accidental injury - it pays for any injury or illness that prevents you from being able to work and earn an income. Therefore there is not a list of specific covered injuries.An important provision to understand with respect to disability insurance is the definition of total disability. It is the definition of disability that will describe the circumstances in which a claim may be payable
What type of insurance replaces income if you have a long term illness or injury and cannot work?
disability
What type of insurance replaces income if you have a long-term illness or injury and cannot work?
-disability
Are disability insurance premiums deductible?
You can pay for your disability premiums pre-tax through payroll deduction. If you do this any benefit will be taxed as well.
Are private disability insurance benefits taxable?
Individual disability insurance benefits are not taxable, because the premiums are paid with after-tax money. The employer paid disability insurance policies have taxable benefits due to the fact that premiums are paid by the employer with pre-tax money.
What type of insurance replaces income if you have a lng-term illness or injury and cannot work?
Disability Insurance is what is referred to as income replacement coverage.
Does a insurance disability issue a w2?
The insurance carrier will issue a 1099 with your disability income if it is subject to taxation. The benefit is taxed if you paid the premium pre-tax, or if your employer funded a portion of the premium.
How does disability insurance work?
Disability insurance kicks in when you become ill or get hurt and or unable to work. It's supposed to replace the majority of your income so you can still afford to live. Disibility insurance helps you pay your bills if you are unable to work due to injury or illness.
What does disability insurance cover?
Disability insurance covers your ability to earn an income. If for any medical reason (illness or injury) you are not able to perform 100% of your duties of your occupation, you are considered disabled or partially disabled. Depending on the definition of disability on your policy, you may even get paid a disability insurance benefit even if you can still work part time or have a loss of income of minimum 15-20% due to your disability/ health issue.
Purchase Disability Insurance?
form_title=Purchase Disability Insurance form_header=If you're suffering from a disability, insurance can help pay for bills and other needs. Have you received disability insurance in the past?= () Yes () No Does your employer offer disability insurance?= () Yes () No How quickly, and for how long, do you need disability insurance?=_
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.
