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How long does long term disability last?
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 requirements 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.
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 retirement age (age 65, 67). The waiting or elimination period is generally 90 days or 180 days, after which benefits start.
each term of congress lasts for two years.
Yes, an employee can and often will be terminated while on a Long-Term disability claim if there is indication he/she will not be returning to work. There is nothing stating …or requiring an employer to keep an employee who is unable to perform the tasks required by their job description on staff. Clearly the Long-Term disability benefits will continue regardless. However, other benefits could be lost once terminated. Check with you insurance provider for specifics on this.
Individual long-term disability premiums are not tax deductible, but paid with after-tax money; therefore the benefit will not be taxable. The only disability insurance premi…ums that are tax deductible are the business expense and overhead DI (BOE/DOE) and Buy-Sell DI, as well as Key-Person DI.
Answer Not by a judgment creditor. They are subject to garnishment for child support, federal tax arrearages and in some cases spousal maintenan…ce (alimony).
Most short term disability policies will pay a 6 week benefit for vaginal delivery, and an 8 week benefit for c-section delivery - less the elimination period. Your disa…bility may be longer if delivery complications require a longer recovery period.
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. Ho…w long you may stay on your former employer's group health plan and who pays the premiums for that coverage depends on many factors, 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.
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 b…e 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".
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 y…our policy for the benefit period.
There is no fixed answer to this question, because it depends upon the terms of the contract. That is, disability insurance benefits, assuming they are not government-provided… benefits such as Social Security Disability, are paid pursuant to a contract (insurance policy) between an insurer and an insured. If you are a covered under a group long-term disability policy (for example, provided through your employer), the Human Relations Department will be able to provide you with the specifics of the duration of benefits. If you have an individual policy (one that you have paid for), you would have selected the duration of benefits at the time that application for the policy was made. Assuming that the policy was issued by the insurance company upon the terms requested, that duration of benefits would apply. Another factor to consider is that disability benefits will continue under the policy for as long as you are determined to be disabled per the policy definition of "disabled". That is, some policies are written as "own occupation" policies, which means that generally, you will continue to be considered disabled for as long as you are unable to perform the material duties of the job that you held at the onset of your disability. Other policies are written as "any occupation" policies. These generally require that you be unable to perform any sort of occupation in order to collect benefits. Finally, keep in mind that all policies will have a finite end time for the payment of benefits. This may be expressed in terms of an age (for example, 65), or in the number of years that benefits are paid. Also, most disability policies have an elimination period on the front end. This is generally similar to a deductible (in a property and casualty policy) but is measured in terms of time that has to pass before benefits begin to be payable.
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 individ…ual 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.
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 fr…om: 2 years, 5 years, 10 years, to age 65, 70 or lifetime.
Medicare Part A for long-term disability Medicare Part A which is "Hospital Insurance." It pays as primary insurance for the long-term disability. It helps pay fo…r inpatient hospital care, inpatient care in a skilled nurshing facility, home health care and hospice
Because the govt. is poor um hold up.. second answer; not always depends on if the long term was state or federal and if you collected it when you shouldnt have and various ot…her things i"m thinking this is a question of will i have to vs the first answer of why...