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Can you purchase a second short term disability insurance if you already have short term disability insurance through your employer?
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%
What is a good company in Washington to get mortgage life and disability insurance from?
Mortgage life and disability insurance is offered by such companies as State Farm, Total Mortgage Protection, and Family Insurance. Of these, State Farm is probably the best, receiving an average score of 80 out of 100 on the website Viewpoints, based on 775 reviews. It is the second-best-rated insurance company on the website, behind USAA.
How does one apply for disability insurance in Ontario?
There are four steps to apply for disability insurance in Ontario. First, one must have a medical provider fill out a medical form that describes their disability in detail. Second, one must sign a consent form that allows the government to collect information about their medical history. Third, one must fill out a form that describes in their own words how their disability impacts their life and ability to work. Finally, one must return the package to the Disability Adjudication Unit who will make a decision about the application.
What happens if you collect short term disability while you work your second job?
If your Short-Term Disability Insurance policy has an "Own-occupation" definition of disability, and your second job is not related with your main occupation, you could continue receiving short term DI benefits as long as you are still disabled and can't perform your duties of your main job. That being said, your disability benefit may be reduced as a result of the other income, however. Fortunately, many disability policies have incentives to encourage people to work as much as they are safely able, so it's possible that you will still earn more between both sources of income than you would from just one or the other. It should be noted that if the second job is related and/or the Short Term Disability company can prove that you are able to work at your primary job based on your duties you are performing at your second job, your benefits may stop. The best place to start is to check your policy definitions and verify that your disability due to injury or sickness is covered on an "own-occ" or own occupation basis, and review what it says about partial disability benefits.
Can you received rental income on a second home while collecting long term disability benefits?
You can still receive long-term disability insurance benefits even if you receive rental income. Depending on the definition of the disability included in your contract, some policies may pay a lower benefit, if your passive income exceeds certain % compared to your pre-disability active earnings.
If you became pregnant while covered by a short-term disability policy which covers pregnancy but then you switched employers are you still covered by the former policy?
Good question. Were you on disability when you switched employers? Is your question if the time on the 1st policy counts towards the pre-x period on the second policy like it does for health insurance? Did the prior employer give you a certificate of credible coverage for it? What do the terms of both policies say? It doesn't appear that Disability counts as group health under HIPAA per section 1171 In addition to the above, many supplemental short term disability policies that are sold in the workplace have a portability provision. That means you can elect to continue with the policy on a direct bill basis. Your coverage remains intact if you continue to pay the premiums. Check your policy for this provision.
Can a person collect unemployment benefits and long term disability in Pennsylvania?
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
Can you buy second hand caravan insurance?
There is no difference between second hand caravan insurance and first hand caravan insurance. Thus you can get the insurance from any insurance company that supplies caravan insurance.
What syllable is stressed in continue?
The second.
When you are awarded Social Security Disability why do you have to repay a portion of your benefit to the insurance carrier when you paid LTD benefits through your employer with after tax dollars?
There are two circumstances in which you would have to repay benefits once you qualify for Social Security disability benefits:The first is if you own an individual Disability policy that includes a Social Insurance offset benefit. Social Insurance benefits are benefits that the insurance company pays on a disability claim, but will offset dollar-for-dollar with social security benefits.The second is if someone receiving benefits from a group Disability policy is eligible for social security benefits. Every group policy will have a provision in the contract that explains how benefits will be handled when a claimant is eligible for social security benefits. As much as group policies are great because they are less expensive and usually can be obtained without medical underwriting, the contract itself is not as good. In a sense, you get what you pay for. Most group disability policies will offset dollar-for-dollar with any social security benefits received, including personal and family benefits. In many situations the amount you will receive from the actual disability insurance company will be minimal.More specific to the question being asked - it can take a long time for social security benefits to be approved and paid. Therefore, many times the insurance companies will pay out benefits during months in which a claimant was technically eligible for social security benefits. Once the social security benefits are approved and paid, the claimant will be expected to repay the insurance company for all benefits paid that would otherwise have been offset. A claimant will not be expected to repay benefits for months in which they were not eligible for social security disability benefits.
What is second to die insurance?
Second to die insurance is a life insurance policy with a death benefit that is paid only when the second of two insureds dies. No benefits are paid as long as both live, or if just one lives.
How to apply for disability for pregnancy?
Unless there are other medical problems you cannot. Pregnancy is not a disability.Depending on which country you live in there may be certain benefits you may apply for if you are pregnant. You need to check which may be applicable in your circumstances.
