How long do you have to be out of work to collect long term disability insurance?
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".
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How can they turn you down for long term disability if your doctor takes you out of work when you are pregnant?
It depends on the situation and I couldn't really tell you based on the limited information in your question. My guess is that you didn't meet the waiting period for your Long Term disability policy because usually they are 6 or more months. Did they send you a letter explaining why they denied you …and if yes, what does it say? (MORE)
If you are on long-term disability should you still file a claim with the SSA if you have an SS rider on your insurance policy and you are able to work at a different occupation?
The re-wording of the question changes the answer. Simply, if you are able to work another occupation than you are not able to qualify for SSDI. 4lifeguild\n. \n Answer \n. \n. \nThe SS rider is an offset. This means that your monthly income from your DI policy will be reduced by the amou…nt that SS pays you. The only benefit you had in electing this rider is that it reduced your premiums that you paid for the policy and often times enables you to access a higher protection. If your policy is "Own occ" you will continue to receive payments as long as the benefit period allows or when you return to YOUR occupation whichever comes first. If it's any occ...look out! 4lifeguild (MORE)
Answer . \nAre you asking about SSDI or a privately held Disability Insurance plan? SSDI will pay for life. If you are talking about DI insurance, it will pay as long as the policy allows. Benefit periods range from 6 mos to age 65 in most cases. You would need to reveiw the policy to see w…hat your plan allowed. Also check the definition of occupation, if it is "any" occ, you may not be collecting as long as you wish. 4lifeguild (MORE)
Long-Term Care insurance protects asstes, disability income protects income . No, long term care insurance covers all the costs of a caregiver that is not covered by Medicare, Medicate and disability insurance. These services are quite extensive and expensive.
If you receive Disability Income from a Long Term Disability Insurance Policy can creditors garnish the monthly income from this policy?
\nThe answer to your question is yes. If creditors can garnish your wages if you were working, then they can garnish the income you receive from your disability provider as well. The same procedures they would have to go through to garnish your wages from your employer, they would go through the dis…ability company (filing court documents). Unfortunately, creditors consider any income you receive, working or not, as income. (MORE)
People can collect disability for as long as they are considereddisabled. If someone is receiving and afraid of losing benefitsthey should speak with their local SSI about it.
What is the difference between long term disability insurance and accidental death and dismemberment insurance?
Long Term Disability policies cover you if you are put in a nursing home or need to have a nurse come to your home regardless of how you were put there. Accidental Death and Dismemberment policies are usually attached to auto policies and they pay you and your family money if you are killed or lose …limbs in an automobile accident. (MORE)
Each statutory state has a different maximum benefit period.. CA = 52 weeks. NY = 26 Weeks. NJ = 26 Weeks. HI = 26 Weeks. RI = The duration of your claim is equal to 36% of your total base period wages divided by your weekly benefit rate (not including dependent's allowance). The most you are a…llowed to collect is an amount equal to 30 full weeks. You may claim these weeks any time you are medically certified as unable to work during your benefit year. (MORE)
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.
Cancer is one of the leading causes of disabilities. You may be eligible for benefits under your long term disability policy if your cancer prevents you from performing your work duties. Florida does not have state disability. Their are only five states that do: CA, HI, NJ, NY, and RI.
No, you cannot deduct premiums paid on disability insurance policies. Two scenarios, first if your employers pays the premiums you would receive the disbursements as taxable income. If you pay your own premiums, then you would receive the disbursements tax free. Either way, you cannot deduct on your… individual income tax the premiums paid. Think about it! If your employer paid the premiums, there was no expense to you, hence no deduction!. If you paid the premiums, you do have an expense BUT you are receiving the disbursements tax free and therefore could not take a deduction! (MORE)
Last april 25 i have torn and ligament surgery i was in short term dissability that time and i receive a notice from my emplyer that my fmla exhaust july 31st 2011 but up to now already october 2011 iwas still cannot go to back to work.so this coming october 25 my ltd will start kicking in i dont kn…ow when my doctoer will release me to go back to work because the mobility of my left hand is not well yet. If my doctor will release me go back to work maybe early next year. Can i still go back to work or im already no job when i come back. My manger called me and told me that she cannot held my job for me when i acked her what do you mean by that when i ask her am i fired she said no. She only told just read the packet that the ltd sent to me. My question is just because fmla exhaust july 31st and im already inltd can i still have a job or im already no more job when my fmla exhaust (MORE)
Canada's Revenue Agency has a long term disability insurance for disabled individuals. The amount received from this does, in fact, count as taxable income.
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)
Can I collect both long term disability benefits and unemployment benefits while waiting for next disability benefit at the end of October?
In order to collect unemployment benefits, you must be physically able to work. In order to get disability benefits, you must NOT be able to work. So you can't have it both ways.
If a insurance company pays for Temporary disability are they liable to pay for long term disability?
Insurance companies are notrmally very specific about what they will and will not cover, the policy may only cover short term temporary disability - this does not mean the insurer has any obligations for longer term payouts, you need to read the policy carefully and if still unsure then ruing the in…surere or broker that sold you the insurance (MORE)
The state you live in will not impact your eligibility to receive Disability benefits from a Long-Term disability policy. Therefore, Yes you are able to collect Long-Term Disability (LTD) benefits while receiving Social Security (SS) benefits. To be more specific though, whether or not you actually… receive benefits from your LTD policy will have everything to do with the wording in the contract. If you have group coverage through work, then it is likely that any benefits you receive from Social Security will offset the benefits payable through your LTD plan dollar-for-dollar. In this situation, even though you are able to receive LTD from your company policy, you may not actually receive any from it if you are receiving Social Security benefits equivalent or higher than the monthly benefit it provides. The same consequences apply for Federal Government employees as through the FERS program. Additionally, if you own an individual policy that has Social Insurance offset benefits, then theses benefits will also be offset dollar-for-dollar. If you own an individual LTD policy that does not have Social Insurance benefits than you would be able to collect on Social Security benefits and 100% of the benefits provided through your LTD policy. This is actually one of the main reasons why individual LTD coverage is much better than group coverage. (MORE)
This will depend on the type of Disability contract you have, and also the exact situation. If you are partially disabled, meaning that you can still work a few days a week or a few hours a day, but have suffered a loss of income because of the disabling illness or injury, then the answer is yes. …You are able to work, and will normally be required to work partially. During this time frame, you will receive (assuming your policy has this) Residual Disability benefits, which is essentially partial benefits. If you are totally disabled and unable to do your regular form of work, then the only way you are able to work is if you have a "Pure Own-Occupation" Disability policy and the work you are doing is considered a different occupation. Most Disability contracts are what is called "Modified Own-Occupation" Disability policies, which will protect your specific job, but will not pay full benefits if you are gainfully employed elsewhere. (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)
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.
According to the Related Link below, to be eligible for unemployment you have to be available to go to work immediately with no restrictions on your ability to work (among other requirements) If the disability prevents you from doing this, then no. Also, if you qualified otherwise, the benefits woul…d be offset by any disability benefits you receive. (MORE)
Fibromyalgia can be or become a very serious issue over time, specially if not properly treated. It is a condition that insurance companies do not want to insure on an individual basis. If you have fibromyalgia, try to obtain income protection through work as it will be the best option for you to… obtain coverage. Group Disability insurance can be offered on a guaranteed standard issue basis, meaning that anyone can get it. However, there are certain guidelines that must be met. (MORE)
If you have long term disability insurance with your company but are paying for it 100 percent and are terminated from the job can you continue to pay the insurance privately and keep the policy?
This will be dependent on the coverage that your are offered and have been paying for at work. Some companies allow for individuals to continue coverage on an individual basis and others do not. The best way to find out is simply to call your specific insurance company and ask. If you are in good… health, you may want to look into what is offered on the individual market as well. Group coverage is great for those who cannot qualify for individual coverage, but the benefits it provides are lacking in comparison. If you are able to qualify for individual coverage, even though it may cost more, it may be the best option. (MORE)
No, you can not receive unemployment while on LD. To receive unemployment you must be able, available, and willing to work now. If you are out on LD, then you do not meet the requirements.
It is dependent on the terms of the policy. There can be a defined number of years, or it could be based on the date of Social Security retirement eligibility.
Incarceration? Like in jail? No, its not a disability to be in jail be a long time.
No, if you have a long term disability then you are not eligible for unemployment. That is why on unemployment claims they ask, "Are you able to work?" If you are disabled and not able to work then you do not qualify for unemployment.
If your disability stems from an injury/illness sustained from your employment, you should be eligible from the moment you were disabled.
There is more at issue than the termination of your disability. Your state has qualifications for it's benefits, including the timing of your base year, monetary issues, reasons for loss of job, etc.
You should see a doctor as soon as you are unable to work and that report, given to the state's employment security office should start the process.
When collecting long term disability can your insurance company force you to have surgery if the precedence does not guarantee that you will return to work?
Force you? They may not be able to force you but you should get your policy out and see if your benefits depend on following your recommendations. This is a better question for a lawyer to answer.
This would depend on the state you work in. In most states, if you qualified for long term disability, you could not be eligible for unemployment because, among other things, you have to be ready, willing, ABLE , and actively seeking full time employment.
Not specifically for a long term disability, but you can collect if you have a terminal illness.
This assumes that you are referring to a private disability policy. Most such policies terminate benefits at age 65, as it is then that the insured would be entitled to Social Security benefits.
You can apply immediately after leaving the workforce, but your disability must be expected to last at least 12 months, or result in death, in order for you to be eligible to receive Social Security Disability benefits.
Long-term care (LTC) insurance provides for a person's care in cases of chronic illness or disability. Update: In Philippines there is company called Kaiser that offers Long Term Health Care Benefits with Insurance+Investment in one. They have a calculated amount to be provided to the plan holde…r with 15 years maturity. (MORE)
Depending on the benefits schedule on your disability insurance policy.. A short-term disability policy can pay from 3 months to 24 months benefit period, and long-term disability policies have benefit periods from 24 months to 5 years, 10 years or to age 65, 67 or 70. You choose the benefit period… when you purchase the disability insurance policy, through your employer or individually.. (MORE)
A long-term disability is an illness or accident that impairs you from working and earning an income for a period of 3 months or longer. Lon-term disability insurance will pay a monthly benefit in case you can't work for three months or longer. Benefit period is usually 2 years, 5 years, or to retir…ement age (age 65, 67). The waiting or elimination period is generally 90 days or 180 days, after which benefits start. (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.
"Out on disability" for how long? If it is only a temporary absence with an assurance that you're coming back to work - and your insurance is part of your salary/pay package, it should remain in effect. On the other hand, if you are out permanently with no possibility, or thought, of returning… to work, your insurance will probably end at about the same time as your final paycheck. This may be governed by the workplace laws of the various states, or even federal law, but it is an eventual reality which you will have to face. (MORE)
Generally speaking, your health benefits through your employer will terminate after a certain period of time, even if you continue to receive Long Term Disability benefits. How long you may stay on your former employer's group health plan and who pays the premiums for that coverage depends on many f…actors, including the size of your employer, the state in which your employer is sitused, the state in which you work, and the state in which you live. Generally speaking, if your employer is large enough to be subject to the Family and Medical Leave Act (FMLA) of 1993 (in other words, over 50 employees, not a church or government plan, etc.) and if you and your leave of absence meets the FMLA requirements, your health coverage will only continue until your approved FMLA leave has been exhausted (typically 12 weeks). According to the Department of Labor website: " MAINTENANCE OF HEALTH BENEFITS "A covered employer is required to maintain group health insurance coverage for an employee on FMLA leave whenever such insurance was provided before the leave was taken and on the same terms as if the employee had continued to work. If applicable, arrangements will need to be made for employees to pay their share of health insurance premiums while on leave. In some instances, the employer may recover premiums it paid to maintain health coverage for an employee who fails to return to work from FMLA leave." Many states and the District of Columbia also have their own version of FMLA (sometimes called "Mini-FMLA") which expands the eligibility to smaller employers, lengthens or broadens the criteria of who is covered and when, or both. Similarly, if you belong to a collective bargaining agreement, your entitlement and access to health insurance may be contractually extended beyond the entitlements provided under FMLA or similar laws. If your employer is smaller or is otherwise NOT subject to FMLA or similar laws, in most cases employers can and will terminate your group health insurance as an active employee as soon as you no longer meet that policy's "eligible class" definition. For example, if you are no longer working 30 hours per week on a full-time basis they may be able to terminate your coverage as of the day after your last date worked, the last day of the month, or... if it is their policy to do so... once you've used up your last date of accrued sick and/or vacation time (since some employers will consider you full time and in good standing until you've ran out of such employer-paid time off). Some employers will also extend this to the last date any Short Term Disability benefits are payable, but this depends on the employer, the state, and other factors. It is very rare for employers to extend medical coverage beyond that which is required by law and into an extended period of Long Term Disability. When it happens it is often not in accordance with the health insurance policy's eligibility provisions. An employer, even as a result of good intentions, may be putting you at unintended risk by extending full-insured health insurance benefits to you if they do not in fact have the contractual authority to do so. It should be noted that once your coverage as an active employee ends, this does not necessarily mean your access to health insurance has ended as well. For example, in most circumstances you should then be able to continue on the group plan on a premium-paying basis (if your employer is over 20 employees COBRA and/or State Continuation or "Mini-COBRA" for smaller employers) or else you may be able to "convert" to a free-standing individual (non-group) health insurance policy. Residents of some states and the District of Columbia have access to individual health insurance plans that do not require medical underwriting. Premiums are not always affordable to every person who is eligible to elect them. (MORE)
a good agent can provide you comparison for Long-Term Care from fewdifferent top LTC insurance carriers. ANSWER: An agent can only provide you with long-term careinsurance policies from one company, but an insurance broker canprovide you with different policies from different ltc insuranceprovi…ders. The easiest way that you can compare ltci from differentltc providers is by getting free ltci quotes online, so you canchoose the best policy. (MORE)
No, because there is no tax deductions in your disability which entitles you to receive unemployment.
If you're currently disabled and unable to work, you should apply for disability income benefits through your state.
You should contact Unum to confirm, but almost certainly the answer will be yes. Please note, however, that most group (employer) sponsored disability plans reduce their benefit when Social Security Disability Income is awarded. So depending on the offset method and how the math works, you may find …that your Unum benefit reduces to the policy's minimum benefit (typically $50 or $100 per month, or if you are lucky "the greater of $100 or 10% of the Gross Monthly Benefit"). If so, your total income doesn't go up by a whole lot, but you still will be receiving more income from both sources than you would have from your Unum policy alone. Finally, most group sponsored disability plans only reduce their benefit based on your initial Social Security Disability Income award but not for any SSDI Cost of Living Adjustments (COLAs) you may receive, which compound annually. So over time you may see your combined income from both sources go up. (MORE)
There is a very wide variety of "insurance" coverage from employers, public sources and private policies, and you should address your questions to the administrator of the insurance plan in order to get an accurate answer - but in general... Social Security Disability Benefits aren't a means tested …program; eligibility doesn't depend on whether or not you have some other means of support. Most long term disability insurance is designed to replace your income in conjunction with Social Security disability benefit so that the sum of the two benefits enables you to continue in a lifestyle similar to the one you had before you became disabled. (MORE)
You have to check into Social Security disability, if you don't have your own disability insurance (individual policy, or through your employer); It is recommended that you get your own Disability Insurance policy if your employer does not offer such benefits. Yes, there are disability insurance pol…icies available in Virginia. (MORE)
The long-term coverage ends at retirement age (age 65 or 67) or up to age 70 if you continue working at least 30 hours per week. The benefit period however, can be selected from: 2 years, 5 years, 10 years, to age 65, 70 or lifetime.
One can find a lawyer to assist in long term disability insurance claim in the phone book under lawyers. The lawyers often dealing with long term disability insurance will help you get paid when you have a disability.
After a 90 day wait does your Insurance pay retroactive to theinjury date,or from the 90 day mark?