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Yes you can get supplemental coverage. Most carriers will limit the total benefit amount to under 70% of your income. For example, if your current policy replaces 35% of your income, you can purchase a supplemental disability policy to replace an additional 35%
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.
No, They can not
If you are referring to Short-Term Disability Insurance, it is taxable if your employer made the contribution, and not taxable if you made the contribution. This is because it is treated as a taxable benefit from employment that you have not been taxed on already. Please let me know if you are referring to something else. Thanks, Ragu HandyTax (Disability Tax Credit Consultants)
What in the world is the question
The answer depends upon several variables: If you are already pregnant when you start it may be more difficult to be covered under your company's short term disability policy - if they have one. If you live in a state with mandated coverage such as CA, HI, NJ, NY, RI - you may be covered under the state plan even if you were already pregnant when you started. If your employer provides voluntary short term disability options, you can enroll preconception, and your maternity leave will be a covered benefit.
Certainly there are but your present condition would be exluded.You can still apply even if you are already pregnant. Your pregnancy and maternity leave will not be covered, but you will have income replacement in case of accidents and illnesses. Keep the policy, and future pregnancies and maternity leaves will be covered.
Yes, you should be since you were already covered prior to this. Although each state varies with this type of coverage. Even if he has a waiting period before he can enroll, he should get a letter from his prior insurance company showing that he had creditable coverage.
Disability insurance and unemployment insurance do different things.Disability insurance replaces your income in case you are sick or injured and unable to perform your work duties. Private companies provide this coverage in PA.Unemployment insurance replaces your income if you lose your job. This is a state program.If you are disabled and your employer terminates your position, you may be able to collect unemployment.Second opinion:No because first of all you're already getting money and second you're going back to work so they won't grant you it
Under most disability plans if you were on disability prior to termination the benefit continue. Most companies will not terminate you if they believe the disability is short term because they expose themselves to potential liability for wrongfull termination.
The current regulations require tat you have some sort of minimal health insurance, either through an employer, purchased on your own, or from the government (medicaid) if you qualify based on income and resources. If you already have health insurance from an employer or otherwise that is comparable to or better than medicare than you can keep it and do not need to apply for medicare.
Some companies get better insurance rates if they require all employees to buy health insurance. IT is cheaper because the insurance company is not covering just the people that need it or use it.