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Its sort of like wanting to buy Life Insurance after you die isn't it? I am sure you can get SDI but not to pay you when you take maternity leave. There are three parts to this question and answer:

1 - You can obtain short term disability coverage if you are already pregnant. It will cover you for accidents and illnesses only. Your future pregnancies will be covered if you continue the policy.

2 - Open enrollments are attached to programs you select on a pre-tax basis - per IRS Section 125 rules. You can pay for short term disability on a post tax basis, and enroll at any time. When you pay the premium using post tax dollars, your benefit is tax free.

3 - You should get short term disability at your place of employment. If your employer does not offer the option, its easy to ask for the benefit since you are paying the premium, not your employer. You do not qualify for benefits at your fiance's employer until you are married.

2009-05-27 18:24:38
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Are long term disability payments taxable if employee pays for coverage through their company?

You should consult with a tax specialist, but generally employer paid disability insurance benefits are taxable.

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 policies available in Virginia.

Can you get disability insurance after a disability?

You can get disability coverage after a disability under certain conditions. It depends upon the cause of your disability and how long you have been recovered. Each carrier has different underwriting standards. Some insurers will offer a guaranteed issue to employer groups. Your ability to get coverage will depend upon the required percentage of eligible employees electing coverage. Obtaining private disability insurance after sustaining a disability may be more tricky, because disability insurance is medically underwritten. From the insurer's perspective, it does not have the same "law of large numbers" with an individual policy (because only one person is insured), as it does in a group disability policy. In most cases, the initial disability will be ridered (meaning that there will be no coverage for it, and perhaps, related causes).

Can a spouse be dropped from employer's insurance if spouse is insured?

Yes you can select whatever coverage you want through your employer. However, your enrollment is through your employer and they usually only allow you to make changes to your coverage during open enrollement (the beginning of the year most commonly).

Purchase Disability Insurance?

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If your employer doesn't offer short term disability can you get it through the state of GA?

Georgia does not have state disability insurance. You need to approach your employer, and ask to make the option of short term disability coverage available to you and your co-workers. It is something you would pay for yourself through payroll deduction, so there is no direct cost to your employer.

Is there supplemental disability insurance?

Yes, and it's recommended to add supplemental disability insurance to cover closer to 100% of your income. If you have disability insurance through your employer, your benefit will be capped at 66% of your income. The benefit received from a group disability policy (through your employer) is taxable. Supplemental disability insurance benefits are not taxable. You can add Catastrophic rider on an individual disability insurance policy, to cover up to 100% of your income in combination with your existing employer group DI.

What insurance benefits do veterinarians get?

This varies considerably depending upon the individual contract negotiated by each veterinarian with their employer. In the United States in private practice, this can range from no insurance benefits through their employer to full medical/dental/vision/prescription coverage, disability insurance, life insurance and professional liability insurance.

Can you drop you health insurance coverage at anytime from your employer?

Can you drop your health insurance coverage at anytime from your employer?Read more: Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer

Can an employer refuse insurance coverage to an uninsured spouse?

Maybe. What does their agreement with the Insurance Company say? Employment manual? Are other dependents covered for other employees? Open Enrollment? Qualifying Event? For more info see

Does there have to be a certain amount of employees to have disability insurance?

There is no minimum requirement to be able to get disability insurance. Individual plans are available for employees or self employed individuals; These plans have the advantage of being portable - you take them with you if you change jobs. Employers may put a disability plan in place on a group basis, which usually does not require any medical underwriting. Employer groups can start from as low as two (2). Employer group disability plans are usually not portable, meaning you lose coverage when you leave the employer.

Are private disability insurance benefits taxable?

Individual disability insurance benefits are not taxable, because the premiums are paid with after-tax money. The employer paid disability insurance policies have taxable benefits due to the fact that premiums are paid by the employer with pre-tax money.

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What if your employer does not carry disability insurance on you?

If you live in Nevada an employer does not have to. In fact the Nevada will defend the employer, if an employee is injured on the job and the employer does not have W/C Insurance. I've been though this.

Could you collect disability if your employer does not provide disability it and your work requires you to be on your feet and have to have foot surgery and be off work for two months?

There are two ways that a person can receive Disability benefits: from Social Security and/or from an employer or individual Disability policy. If your employer does not provide Disability insurance coverage and you do not have your own individual Disability coverage, you will not be able to receive disability benefits, unless you live in a state that has a state-sponsored plan. In order to receive benefits from a Disability policy, you must actually own one or have coverage through your employer. Additionally you must satisfy the requirements of the contract in order to receive benefits. Social Security benefits only pay benefits on disabilities that are expected to last longer than 1 year or end in death, so you would not qualify for Social Security benefits.

What term refers to the amount you or your employer pays in exchange for insurance coverage?

The premium is the dollar amount paid in exchange for insurance coverage.

Why is it benefical to have health coverage and benefits from your employer?

Perhaps the most beneficial reason is that someone else is paying all or a portion of your health insurance costs for you. Even if your employer pays 50% of your health insurance cost that's 50% less that you don't have to pay directly out of your pocket with post-tax $. Employer coverage is definitely a lot more limited on the choices of benefits & plans as opposed to the myriad of choices available if you were purchasing it on your own. Another great benefit of employer coverage is that you don't have to go through 'medical underwriting' to qualify to enroll in the employer plan as you would have to for non-employer coverage in most states. In other words, you can't be denied enrollment into your employer health coverage based upon your existing health conditions or risk.

Can an employer in NY deny coverage for a spouse is the spouse's employer offers health insurance?


Can you collect unemployment insurance and employer disability concurrently in new york?

no, if you are collecting disability you are still employed

Who sends the checks for short term disability the government or employer in Wisconsin?

Wisconsin does not have state mandated short term disability insurance. Benefit checks are sent by the insurance carrier that issued the policy - not your employer.

Have colon cancer, getting chemo and employer dropped insurance coverage and COBRA is $700/month.?

“Have colon cancer, getting chemo and employer dropped insurance coverage and COBRA is $700/month.”

Does short term disability cover major depression?

Yes, consult with you employer for FMLA forms and short term disability coverage.

Do you have to offer short term disability as a company in MO?

Missouri does not mandate short term disability coverage. The choice is left up to the employer. Most employees pay for disability coverage 100% themselves via payroll deduction, so there is no direct cost to the employer to give employees this option.

Does Louisiana offer short term disability?

it's LALouisiana does not mandate coverage for employees. You can get individual coverage through your employer.

Can an employer in OH legally deny coverage for a spouse if the spouse's employer offers health insurance?

Generally insurance coverage should be offered to an employees spouse. It does not matter if they are offered coverage from their employer whereas it provides an additional option in case 1 plan is more affordable than the other.