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In California a disability will not effect your insurance quote but if you are in southern state like Florida a disability will effect you insurance quote.
Some disability insurance policies will cover drug & alcohol as any other disability, but usually limit the benefits to maximum 24 month. If you had a disability insurance prior to being disabled from work due to alcoholism, and the policy did not specifically exclude drug & alcohol disabilities, you may be entitled to disability benefits.
Disability insurance is mandatory in five states: California, Hawaii, New Jersey, New York, and Rhode Island.
The best way to purchase individual short term disability insurance in California is through a company that sells this insurance. Speak to a financial adviser at a company to see if one qualifies.
form_title=Purchase Disability Insurance form_header=If you're suffering from a disability, insurance can help pay for bills and other needs. Have you received disability insurance in the past?= () Yes () No Does your employer offer disability insurance?= () Yes () No How quickly, and for how long, do you need disability insurance?=_
form_title=Disability Insurance form_header=Disability insurance will protect your income when you are unable to. Get a policy that will provide security for financial future. Do you currently have any disabilities?= () Yes () No Do you currently have any type of disability insurance?= () Yes () No Who would you like to add as a beneficiary?=_
SDI premiums are paid by ALL W-2 workers in California AND their employers.
Yes, a person can collect California State disability payments if he or she is living in another state. A person's eligibility for California State disability benefits is determined by the amount of money that he or she contributed to the SDI while they were employed in California, not by the state that they are currently living in.
One can get a comparison of disability insurance rates on websites like Insurance Data, Disability can Happen, RBC Insurance, Termlife Insurance or SB Information.
Rather than a disability, alcoholism is viewed more as a disease. reference:http://en.wikipedia.org/wiki/Alcoholic However you would want to review the insurance policy of the agent/company, i guess..
You can live anywhere in the US and do well if you have a disability. Depending on the disability, you can get disability insurance. Disability insurance is figured by your work history and if you get approved.
California replaces 55% of your income, up to a max of $949 per week in 2009.