All Social Security (SS, SSI, SSD) VA and the most other disability benefits are exempt from attachment by creditors. It is very important that such benefits be held in a bank account separately and no deposits of any other funds be placed in said account. If the person has reason to believe that a creditor may attempt to garnish the exempted funds they should let the bank and the creditor know that they are exempt under federal and state laws. Some creditors will garnish exempted property either in error or in attempt to coerce the debtor into making a payment agreement or settlement. It would be advisable to consult an attorney if it is believed there is a possibility of garnishment action. Most attorney's offer free or minimal fee consultations, or you might wish to contact your state bar association's legal aid organization.
The disability has to be 'approved' by a panel of people, one or several of which could be medical doctors. Just because you or your employer have a 'plan' that includes disability payments doesn't mean that payments are automatically given for an injury. There is most likely a time limit imposed for such payments.
Medicare has nothing to do with auto insurance. Medicare is a Federal program of medical care for the elderly. During one's working life, Medicare taxes are paid to provide the benefit upon retirement or disability. What you may be referring to is "medical payments coverage". It is a a coverage provided by auto policies that is available to pay a portion another party's medical bills in the event of a collision in which he/she is injured.
Disability insurance was designed to provide a monthly income or to replace your paycheck in case you can't work due to an illness or accident. Unlike Major Medical health insurance which pays part of the doctors visits fees, medications, treatments cost, the disability insurance benefit can be used for anything you need, like a gap for medical deductibles or co-payments, or utilities, groceries, mortgage payments, or any other expenses including alternative treatments, vacation, etc. There is no limitation on how you should spend your disability insurance benefits. Some disability insurance policies have additional benefits paid specifically for home adjustments (for example, to make your home wheelchair accessible) - this additional benefits can only be spent for that purpose.
You can be fired during a disability. But California has a variety of special laws that provide job protection during disability, and a federal law may apply. If you are disabled due to pregnancy, the CA Pregnancy Disability Leave law protects your job for 4 months prior to delivery. CA Family Medical Leave allows for additional job protection to care for a sick family member. This could extend your leave if you are caring for a newborn after your delivery. The federal Family Medical Leave Act provides job protection for up to 12 weeks for your disability, and applies to employers with more than 50 employees.
Medical payments on your car generally covers expense to yourself and / or passengers in the event of an accident where you're at fault. Medical payments on a home policy will pay for people who are injured in your house - but it won't cover the homeowner or other residents of the house. http://www.coloradosbestinsurance.com
medical model of disability focuses on the disability and expects the individual to be searching for a cure, and are overcoming a personal tragedy. This model focuses on what the individual cannot do rather than what they can. social model of disability focuses on society as being disabling, barriers within society are the cause of disability these can be physical, cultural attitudinal.
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