Yes - keep both coverages. They are designed for two very different purposes. Your medical insurance reimburses the doctors and hospitals that provide your medical treatments. Disability insurance replaces a portion of your income during the time you are sick or hurt and unable to work.
In most cases, Medicare is the primary insurance for those who have it and are also covered by other types of insurance, like a group health plan. The group health plan would then typically serve as secondary insurance to cover costs not paid by Medicare. It's best to check with both insurance providers to understand how they coordinate benefits for your son's situation.
pertaining to medical insurance; primary secondary TERTIARY IS THE ANSWER
Primary insurance coverage is what is first used when a medical service is being rendered. This is what will be billed first. Secondary insurance is supposed to cover what the primary insurance does not.
The individual policy is always primary.
Medicare Part A which is "Hospital Insurance." It pays as primary insurance for the long-term disability. It helps pay for inpatient hospital care, inpatient care in a skilled nurshing facility, home health care and hospice
The Wifes
It's secondary or tertiary insurance that is held to cover any medical expenses the primary insurance policy does not cover or does not cover completely.
no
Yes, she will be held responsible. The primary insurance holder is always responsible for the medical costs under
No. You will have to use your health insurance first.
The primary insurance holder will be held responsible. That is part of the agreement, they will have to pay.
Technically the insurance can and often will make you take another job if your Disability contract has an "Any-Occupation" Definition of total disability. This definition says that benefits will only be paid if you are unable to do any occupation for which you can be expected to perform based on your experience, education and prior earnings.This is the primary reason why "Own-Occupation" Disability insurance is so important.