How long do you have to be out of work to collect long term disability insurance?

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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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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 (MORE)

How long will disability insurance pay if you are disabled for life?

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 (MORE)

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 (MORE)

How long can you collect disability?

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.

How long can you collect state disability?

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 (MORE)

How long is short term disability?

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.

Can you deduct long term disability insurance premiums on taxes?

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 (MORE)

Can you be fired when you are on long term disability?

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 this coming october 25 my ltd will start kicking in i dont kn (MORE)

How long do you have to be out of work to collect short term disability?

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 (MORE)

Can a person collect long term disability benefits while on social security disability in IL?

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 (MORE)

Can you work any while collecting long term disability?

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. (MORE)

If receiving long term disability can the insurance co make you take another job?

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 (MORE)

Can you get on long term disability if you have Fibromyalgia?

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 (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 (MORE)

How long does long term disability last?

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.

What is long-term care insurance?

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 (MORE)

How long are disability insurance payments issued?

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 (MORE)

What is long-term disability?

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 (MORE)

How long does employer has to keep insurance on you when out on disability?

"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 (MORE)

When you are on long term disability does that include health insurance?

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 (MORE)

How do you compare long term insurance?

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 (MORE)

If enrolled in unium long term disability . Can I still collect ssd?

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 (MORE)

Why can't I collect long term disability and social security disability at the same time?

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 (MORE)

Does Virginia have long term disability?

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 (MORE)

How long is long term disability coverage?

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.