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if I am receiving short term disability and my company is bought out and I need to go on long term disability will I be covered for long term?
An independent insurance agent expert in disability insurance can help with short-term disability or long-term disability.Look for a disabilitycenter on Google.
As long as you're still on the payroll of the company, your group term life insurance policy should still be active. Denise Mancini Disclaimer: I work for AccuQuote and this is my personal opinion.
Contact the agency involved.
Yes, essentially Short Term DI fills in the gap during the elimination period for LTDI
Because the long term disability benefits are probably better than the unemployment ones and because you can't collect both and you can claim unemployment only for a base period of 15 months, you may not have a better choice, but it's being made for you. Answer I think you should check in with the EEOC, since your rights as an employee may be an issue. In any case, unemployment can take several weeks to work through the process, so applying a month before the end of long term disability would make sense. How much you will receive will be dependent on the number of quarters you worked...best check it out so you have all the good information.
At some time you had the opportunity to choose your benefits and you signed the application for the disability insurance. If you want the insurance you will have to pay for it. If not go to your personnel office and cancel it. You may have to wait until the renewal date if the company only lets you change benefits at certain times. The good part of you paying for the premiums of long term disability is that the benefits are not taxable if you ever get disabled. If the employer pays for the premiums or if it is paid for with before tax funds then the benefits are subject to income taxes.
The 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 disability company (filing court documents). Unfortunately, creditors consider any income you receive, working or not, as income.
The advantage is that if the rates go down you are not locked into a high rate for a long term. The disadvantage is that if the rates go up you are not locked into the lower rate for a long term.
Generally you can't collect unemployment while disabled because you have to be ready, willing AND able to go to work immediately for full time. Disability makes that impossible, in most cases. If the time frame and every thing else applies, you might after the disability ends.
Go to the town your house is at (New Bark Town) and surf across the water. its not that long and then you will be at kanto. then go into the cave.
Yes. If the employer paid the premiums for the disability insurance payments that you are receiving. And you will have some taxable income that you will have to report on your 1040 federal income tax return.