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 documentation 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
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If you are sick during pregnancy and you have a salary and compensation from your boss that is included in your paycheck can you receive the same reimbursement from short term disability?
Answer . \nYou need to contact the rep for your insurance and/or speak with your office manager. Insurance can be specific to individual companies, so really not a good way to answer this for you. So sorry!
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 you became pregnant while covered by a short-term disability policy which covers pregnancy but then you switched employers are you still covered by the former policy?
Answer . Good question.. Were you on disability when you switched employers?. Is your question if the time on the 1st policy counts towards the pre-x period on the second policy like it does for health insurance?. Did the prior employer give you a certificate of credible coverage for it?. Wha…t do the terms of both policies say?. It doesn't appear that Disability counts as group health under HIPAA per section 1171. In addition to the above, many supplemental short term disability policies that are sold in the workplace have a portability provision. That means you can elect to continue with the policy on a direct bill basis. Your coverage remains intact if you continue to pay the premiums. Check your policy for this provision. (MORE)
If you are 6 weeks pregnant and it is too late to sign up for voluntary short-term disability offered by your employer are there any companies that will provide a short term disability policy?
Certainly there are but your present condition would be exluded. . You can still apply even if you are already pregnant. Your pregnancy and maternity leave will not be covered, but you will have income replacement in case of accidents and illnesses. Keep the policy, and future pregnancies and mater…nity leaves will be covered. (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.
Can an employer deny short term disability if you dont carry their insurance they don't have light work?
Answer . 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 http://www.edd.ca.gov/direp/diind.htm
If you are receiving short-term disability income benefits and you decide to quit your job will you have to reimburse your employer for the percentage of your income you received during your leave?
NOT ONLY BAD QUESTION but ILLOGICAL - first you collect INSURANCE Benefits - not PAY (this money comes from insurance policy that you and/or employer pay into) - - You don't return any "insurance benefits" from anybody - unless they can prove your disability a fake. I'm guessing your short term disa…bility is a personal health issue - and you're ready to go back to work, except you don't want to work for your old employer. If you want to get a new job - don't mention your short term disability to new employer. If new employer looks like they want to confer w/old employer - just cop a plea - like working for them made you sick! and now you realize that you need a different employer cause you Love what you do, and you want to work for someone who appreciates you! Well I could go on forever - but insurance proceeds are not PAY - and if they were you would have to pay income tax on them - so go ask IRS agent about your liability for next years income taxes. Best way to check that is to look at checks you getting from Insurance company - if pay - they're taking out FED/State income taxes. (MORE)
Pregnant and complications with pregnancy and doctor put me on bed rest do I qualify for short term disability insurance?
Call and ask the claims dept of your STD plan.. In most cases, complication of pregnancy is a covered sickness. You will receive a benefit for the time you miss work, less your policy elimination period.
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
Can an employer force a worker to work first shift when they were hired for second shift to accommodate light duty limitations imposed by doctor?
If the first shift has light duty as does the second shift then yes, your employer can change your shifts as long as that duty is light and not heavy work. If it is heavy work you can report your employer to Worker's Compensation or Labor Relations.
Not unless it is because of a disability. If you are currently pregnant, it is currently not a time to buy.. You can buy individual short term disability preconception, and expect a maternity leave benefit. Programs sold via work place marketing provide this coverage. It's easy to get your employer… to offer this benefit. All they need to do is deduct the premium from your pay, and forward your money to the insurance carrier once a month. There is no direct cost to your employer.. Individual short term disability policies sold direct do not cover pregnancy and maternity leave. (MORE)
Georgia does not have state mandated short term disability coverage. Private short term disability policies will cover your pregnancy and maternity leave - provided you apply for coverage before getting pregnant.
Yes, as long as your doctor certifies it is medically necessary. Such as breast reduction for back pain, skin removal after massive weight loss, etc. Simply getting breast implants or a face lift for cosmetic reasons are not covered.
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.
Most likely not. Short term disability will cover disability due to pregnancy complications, but not for plain vanilla bed rest.
Short term disability policies offer a variety of benefit periods (how long the benefit lasts): 3, 6,12, and 24 month benefit period options are very common. Check your policy for the benefit period.
The standard benefit for normal delivery is six weeks for vaginal birth, and eight weeks for a c-section delivery.
If you are on short term disability in Indiana from your current employer can you accept another position from a different company I am on a medical leave approved by my doctor and can return soon.?
This is for Canada, but I'm pretty sure the same would apply in the US. The short answer is no, because most employers will have an exclusivity clause in your contract that means you cannot work for another employer while you are with them, and you are still under contract while you are on disabilit…y. You can probably quit your job while on disability and not be adversely affected, but I would definitely suggest reading your contract before doing this to make sure your employer won't be trying to recoup the disability payments. You might also find that your employer would terminate your disability if you gave notice, although I'm not sure of the legal background to this (employment law is very vague in Canada). (MORE)
The responsibility of the employer is to provide a safe and healthy workplace. It can be done through the following (but is not limited to): 1. Have a health and safety office. 2. Get them healthcare that requires APE or annual physical exam 3. Provide a healthy and safe workplace to avoid com…plications 4. Provide the right emergency equipments 5. provide the right safety equipments 6. provide the right health and safety, emergency, and job training (MORE)
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)
Your doctor may require bed rest for your pregnancy. Short Term Disability will usually pay a benefit provided there is a medical reason that you can't perform your job duties. Short Term Disability will also pay a benefit after you deliver your baby. The common benefit is six weeks for a vaginal… delivery, and eight weeks for a c-section delivery, less the elimination period. (MORE)
That depends upon the elimination period in your policy. The elimination period is the amount of time you need to be disabled before you are eligible for benefits. Check your policy for details.
You can receive short term disability benefits after giving birth, provided your coverage began before getting pregnant. Short term disability pays a benefit for normal delivery: 6 weeks for vaginal delivery, 8 weeks for c-section delivery.
Can you receive state disability payments if you are also receiving short term disability payments from a private company?
State disability payments typically are not affected by any private coverage you may have. Some private policies will "integrate" with other disability programs to make sure that you are not replacing too much of your income. Insurers don't want people making more money being disabled than working…. (MORE)
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)
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 yo…ur experience, education and prior earnings. This is the primary reason why "Own-Occupation" Disability insurance is so important. (MORE)
What can you do if employee requests light duty after a period of illness and you cannot accommodate them?
Understand that you may not have any option but to accommodate them if it is "reasonable" for your business to do so. What is "reasonable" for your business is something that is determined by a court if necessary, but if it is a relatively minor expense and one that does not markedly alter or jeopar…dize the service or product provided (or cause a safety issue), you must accommodate. If you are truly believe you are unable to accommodate, your best next step is to consult an attorney to ensure legal standing for your denial of the accommodation. You will probably need this attorney for the inquiry and/or lawsuit that is likely to follow. (MORE)
No Wal -mart and the Hartford just want your money. they say one thing and do another. It will not take care of you if you become disabled.
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.
If you quit a job where does short term disability come into play.Perhaps a little more information will help us to give you anaccurate answer. Sorry.
This is actually quite common. The FMLA provides 12 weeks of job protected leave, but applies only to employers with more than 50 employees. If your disability lasts beyond 12 weeks, or you work for a small employer you may legally lose your job. Several states have laws which fill in some of the ho…les in FMLA. Check your state rules where you work. (MORE)
The simple answer is Yes. A person can certainly qualify to receive Long Term Disability benefits because of having cancer. However, it is not the fact that he/she has cancer that qualifies him/her for benefits. In order to qualify for Long Term Disability benefits, a person must satisfy the requ…irements set forth by their Group or individual policy - which can be found by reviewing the definition of total disability along with the guidelines for Residual disability. Without getting too far into detail, the requirement to receive Disability benefits from a group or individually owned policy will be worded something like: To be considered totally disabled you must be unable to perform the material and substantial duties of your occupation (or "any" occupation, depending on your contract). Thus explaining that it is not necessarily Cancer that enables a person to receive Long Term Disability benefits, but rather the inability to perform his/her occupational duties that can be caused by cancer. In order to qualify for Residual benefits (benefits for partial disability), the debilitating injury or illness must cause a loss of income greater than 15-25%, depending on the policy. (MORE)
As an employer what is required to be reported to OSHA if the injury is very minor and short term light duty is used or how can the claim be disputed to protect the company safety record?
Couple of different matters here- OSHA recordable , and OSHA reportable . An employer is required to report to OSHA any FATAL accident, or any accident that causes the hospitalization of 3 or more employees. Other injuries may be RECORDABLE, but are not reportable. If the worker has a medical rest…riction for more than the day of injury, it becomes a recordable. IF the healthcare provider returns the worker to duty, with "care not to aggravate the injury", that is not recordable as a day of restricted activity. If it is the employer's belief that this is NOT a work related injury, they may not be required to record it without other documentation. Do not confuse OSHA and Worker's Comp- two separate matters. If an employer believes an injury is not in the course and scope of employment, they may notify their Worker's Comp insurance carrier, or the State Industrial Commission, and contest the claim. (MORE)
If your workman comp doctor put you on light duty and your job says they dont have any light duty But you have second job that you have light duty can you work second job?
If your primary employer does not have work for you and told you to stay out on workers comp until you can work full duty then you need to not work at another job while you are on workers comp.
If you were on light duty status and your contract was not renewed and you received your final paycheck can you deposit it in your bank account and still take your employer to court?
If a check has additional writing on it, in the memo section or otherwise...cashing that check is your acceptance of the terms. If the check says something to the effect, for example, that this is your final check ever, than do not cash it, unless you are ok with it being your last check ever, from …them. Additionally, if it seems to be a standard check with nothing additional written on it, than go ahead and cash it. That alone should not bind you from further action. I hope this helped (MORE)
Many short term disability policies will cover your pregnancy leave for complications, and your maternity leave for normal delivery. Your coverage needs to begin before getting pregnant. Policies sold through groups are the only ones that cover pregnancy. Ask your employer to provide you the option …to pay for coverage yourself by payroll deduction. (MORE)
Can you draw unemployment in North Carolina if you are dismissed from your job because the doctor put you on light duty work?
North Carolina would probably approve your claim for unemployment based on the fact you lost your job through no fault of your own.
A cancer diagnosis makes it difficult but not impossible to get short term disability coverage. If you have been cancer free for 5 years you may qualify. Also, if your employer offers a short term disability option for the first time the offer may come with a guaranteed issue option based upon parti…cipation. (MORE)
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.
They would ordinarily receive one or the other, but not both at the same time.
Your not supposed to do that but how are they gonna find out? I mean Short Term Disability is about 66 2/3 percent of your salary and the burden of proof is on them. The only way an insurance company can find out is if someone reports you and/or something you do becomes public record otherwise, ther…e isn't much of a way for the insurance company to find out. As far as I am concerned you have to do whatever you can these days to survive. Its a dog eat dog world. (MORE)
This depends on what State you're in. For example, in California, there is a law called Paid Family Leave (PFL) where unlike the Family and Medical Leave Act which provides unpaid but job protected leaves, the PFL provides compensated leaves. Some states also allow you to take short term disability …benefits even during prescribed bed rest. (MORE)
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)
one year. They must give you a job comparable to the one you had, but not necessarily the same jon
Yes, teacher jobs can be very long term employment, though some school districts are working to make it easier to fire bad teachers. Many teachers stay in their jobs for their whole life until retirement.
When an employee returns back from short term disability can an employer put that employee in a different position with a lower pay rate?
Believe this will come down to state by state but in my state no but after more then 180 consecutive days yes after 365 consecutive days they can terminate your employment. Best to call state unemployment office or seek advice from a lawyer. They can tell you if it's a state or federal issue and eas…y enough to google for either. Many people been where you have in your state trust me. (MORE)
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)
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)
That depends on the laws of the land in which you live. However itis usually over a year.
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)