Yes, Disability insurance would cover hip replacement, as long as it is not excluded in your individual policy, or accounted as a pre-existing condition during your first year of being on a group policy.
The question really is how long you will be unable to work for during and after the hip replacement. Most Long-Term Disability policies will only begin paying benefits after a 90-day elimination period. IF you are unable to work for 5 months, this will end up providing you with benefits for the last 2 months of your claim. Short-Term Disability insurance normally begins paying benefits after 7 or 14 days and will continue to pay for 3 or 6 months. Short Term disability may be more helpful for someone in this situation, depending on the amount of time spent away from work.
Disability insurance covers any impairment that is previously unknown to the beneficiary. However, the beneficiary only provides partial wage replacement to workers who are unable to work due to their disability.
Disability Insurance is what is referred to as income replacement coverage.
Not unless your disability is expected to last one year or longer. You can try to apply for Social Security disability, because you won't qualify for individual or workplace disability insurance while disabled.
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?=_
No, long term care insurance is designed to cover the costs of medical and personal care for individuals who need assistance with daily activities due to aging, illness, or disability. Long term disability insurance, on the other hand, provides income replacement if you are unable to work due to a disability.
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?=_
Hip resurfacing or total hip replacement
One can get a comparison of disability insurance rates on websites like Insurance Data, Disability can Happen, RBC Insurance, Termlife Insurance or SB Information.
Acupuncture and chiropractor and massages could do wonders for not only hip pain but for all kinds of bodily pain, yoga is a very good free substitute.
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.
Hip Replacement or hip arthroplasty is a surgical procedure to treat the damaged portion of the hip. A person who performs this procedure by making certain incisions to remove the damaged part of the hip and replacing them with prosthetic implants is a Hip Replacement surgeon.
Yes, if you are unable to work. ANSWER: Actually, if you are currently UNABLE to work, you can NOT apply for disability INSURANCE. You have to be actively at work to get insurance for disability.