You live in Ontario and have been on short term disability am now having to apply for long term you were wondering if there is a way for you to get your vacation pay?
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The rule of thumb is that short term disability insurance will cost about an hour's wage per week in order to replace 2/3 of your income for 12 months. For example, a person earning $20 per hour and working 40 hours per week earns $40,000 per year or $3,333 per month. 2/3 income replacement would… equal 2,200 per month of coverage. The cost for this coverage would be $20 per week, or $1,040 annually. Actual cost will be based upon your occupation, the industry of your employer, your state of residence, your age, etc. ( Full Answer )
Short term disability replaces your income if you become injured or sick and can't work. The benefit period is limited to 3, 6, 12, or 24 months. The policy stops paying benefits if your disability lasts longer than the benefit period.
Massachusetts does not have state mandated short term disability. You can get coverage through your employer. Just ask them to make a voluntary short term disability policy available to you via payroll deduction. You pay for the policy.
Depends. Basic guideline is if you paid for the policy paying the benefit, then the benefit isn't taxable. If someones else contributed to it, or if it was paid with before tax money (as in some employee packages), then the money is taxable. However, consider the income being replaced would… have been taxed too. ( Full Answer )
Short and long term goals are important to set when making careeror personal plans. Many potential employers will want to knowcareer goals when conducting an interview.
NJ has state mandated coverage, and PA does not. The NJ disability plan covers NJ workers, not NJ residents. Check your paystub, and you will see that no deductions are being taken out for NJTDI. Short term disability insurance is available through private insurers for PA workers.
Most short term disability policies will replace up to 2/3 of your income to a max of $5,000 per month.
Most short term disability policies will pay a 6 week benefit for vaginal delivery, and an 8 week benefit for c-section delivery - less the elimination period. Your disability may be longer if delivery complications require a longer recovery period.
Short term disability policies offer a variety of benefit periods (how long the benefit lasts): 3, 6,12, and 24 month benefit period options are very common. Check your policy for the benefit period.
Reg. 31.3121(a)(4)-1 says no FICA after 6 months:. Â§ 31.3121(a)(4)-1 Payments on account . of sickness or accident disability, or . medical or hospitalization expenses. . The term wages does not include. any payment made by an employer to,. or on behalf of, an employee on account. of the e…mployee's sickness or accident. disability or the medical or hospitalization. expenses in connection. with the employee's sickness or accident. disability, if such payment is . made after the expiration of 6 calendar . months following the last calendar . month in which such employee worked . for such employer. Such payments are. excluded from wages under this exception. even though not made under a. plan or system. If the employee does. not actually perform services for the. employer during the requisite period,. the existence of the employer- employee. relationship during that period. is immaterial.. ( Full Answer )
California replaces 55% of your income, up to a max of $949 per week in 2009.
It depends on how much LTD you bought. As in, $1500/mo for 2 years or maybe $2600 till age 65. Check your policy.
Short Term Disability Insurance replaces a portion of your income should you become sick or injured and unable to work.
Texas does not have a state mandated short term disability insurance program. In order to qualify for benefits, you must apply for supplemental short term disability before you conceive.
Last april 25 i have torn and ligament surgery i was in short term dissability that time and i receive a notice from my emplyer that my fmla exhaust july 31st 2011 but up to now already october 2011 iwas still cannot go to back to work.so this coming october 25 my ltd will start kicking in i dont kn…ow when my doctoer will release me to go back to work because the mobility of my left hand is not well yet. If my doctor will release me go back to work maybe early next year. Can i still go back to work or im already no job when i come back. My manger called me and told me that she cannot held my job for me when i acked her what do you mean by that when i ask her am i fired she said no. She only told just read the packet that the ltd sent to me. My question is just because fmla exhaust july 31st and im already inltd can i still have a job or im already no more job when my fmla exhaust ( Full Answer )
That depends upon the elimination period in your policy. The elimination period is the amount of time you need to be disabled before you are eligible for benefits. Check your policy for details.
It depends on the state in which you work. Five states mandate coverage: CA, HI, NJ, NY, and RI. If you work for a private employer in one of these state, you have no choice, you have to pay. If you live in one of the 45 other states, you can probably make a change during your open enrollment.
Assuming that you are referring to short term disability insurance, it is intended to replace income when the insured is unable to work due to an injury or medical condition that is not excluded by the terms of the policy. The reference to "short-term" distinguishes the coverage from long-term di…sability, which, assuming conditions are met, can have payments that last for years. Short-term disability policies ordinarily provide benefits from anywhere between 60 days to a year or so. Many employers offer short-term disability coverage as a benefit of employment. The amount of the benefit is usually based upon the employee's earnings at the time of disability. It also usually declines over the term that benefits are paid; for example, it may pay 100% of lost income for the first month or so, and then slowly decline toward the end of the term. Short term disability plans can also be privately purchased from insurers. Like many other forms of insurance, these kinds of policies may be "medically underwritten", meaning that whether or not an applicant qualifies will depend upon health history. Likewise, the insurer will be interested in earnings history, because the purpose of the coverage is to replace income, not to be a money-making proposition for the insured. It is very important to ensure that any insurance that is purchased is issued from a licensed insurer (sometimes called an "authorized" insurer), and that the insurer is authorized to issue insurance in your state. This information can be obtained through the office of the state insurance regulator in the capitol. Be sure to find out from the agent/insurer the name of the entity that is financially responsible for the payment of claims, as it is that entity that must be licensed. A product name that sounds familiar is not sufficient and is not a guaranty. ( Full Answer )
It depends - on your short term disability elimination period. If you live in a state with mandated coverage, check with your state's department of labor. If you have a private policy, see what elimination period you selected. The elimination period can be as short as 0 days for accidents, and 7… days for sickness, or as long as 3 months or more. ( Full Answer )
You received short term disability from your work place for a car accident if you settle with the insurance company that is responsible do you have to pay back the short term disability check?
It depends on the STD contract, so whether or not they can do this can vary from contract to contract. The first step is to ask the STD insurance company to provide you with the exact wording in their policy which states that their liability is reduced due to auto insurance benefits and/or settle…ments. Typically such provisions will exist, but almost always it will specify that the reduction only includes the portion of the auto insurance payments that are made for lost wages (or "wage loss benefits" as they are often called). Other monies (such as for the damage to your car, for medical bills, your own lawyer's fees or pain and suffering if applicable) typically should NOT affect your STD benefit, even if they are co-mingled and paid out in a single check. Not always, but often (especially in richer STD contracts), the STD policy will specify only that " No-Fault Wage Loss" (and/or "No-Fault Wage Loss Benefits required by a state or other jurisdiction") will reduce their benefit. These wordings provide a higher (narrower) standard than just merely considering any wage loss benefits, and is a difference worth paying attention to. Whether or not the payments are No-Fault Wage Loss benefits vs. just regular Wage Loss benefits is something probably only the auto insurance company can answer, as it can get very complicated: Some states require no-fault wage loss coverage, some make it optional with special consequences, and driving in a state other than where you live, driving a rental car, a company-owned car, or simply a car that you do not own could also affect exactly what sort of wage loss benefits you are entitled to and how they are characterized. If the disability claims analyst is good at their job, they will verify with the auto insurer what the payments actually represent before making their determination. Most of the time they are correct, and it is likely that you will indeed need to pay some or all of those monies back to the STD insurer. That being said, I have seen in a few rare cases where the STD carrier attempted to collect wage loss auto benefits based on assumptions without actually verifying the details, and ended up being wrong. For example, if the no-fault wage loss auto benefits were purchased voluntarily (not required by law) and the STD analyst doesn't even realize that option is possible, they may make certain assumptions about how it is treated just because they've never seen it any other way. Due to the wording in the STD contract, it is possible that such (voluntary) wage-loss benefits in fact could meet the STD contract's definition of other individual (non-group) STD insurance and therefore untouchable, even though it happened to be purchased through an auto carrier. So you need to be careful and verify it yourself with the auto insurer, STD policy in hand, before you will know for sure if its being handled correctly. Contacting your insurance broker and/or an attorney may also provide you with additional counsel and advice. ( Full Answer )
If a insurance company pays for Temporary disability are they liable to pay for long term disability?
Insurance companies are notrmally very specific about what they will and will not cover, the policy may only cover short term temporary disability - this does not mean the insurer has any obligations for longer term payouts, you need to read the policy carefully and if still unsure then ruing the in…surere or broker that sold you the insurance ( Full Answer )
If your disability is due to pregnancy and/or maternity leave you can now apply for NJ paid family leave. It pays the same amount as the NJ TDI plan for an additional 6 weeks so that you can bond with your baby.
Virginia does not have mandated short term disability. If you are looking for a policy with maternity benefits you would need to get the policy through your employer. Many employers allow their employees to pay for 100% of the premium through a payroll deduction. This is your best option.
I'm not sure exactly what type of decision you are trying to find short term and long term for, but for business decisions short term is zero to three months, and long term is anything over a year.
Fibromyalgia can be or become a very serious issue over time, specially if not properly treated. It is a condition that insurance companies do not want to insure on an individual basis. If you have fibromyalgia, try to obtain income protection through work as it will be the best option for you to… obtain coverage. Group Disability insurance can be offered on a guaranteed standard issue basis, meaning that anyone can get it. However, there are certain guidelines that must be met. ( Full Answer )
Short term disability will cover your normal labor and delivery if you purchased the policy before getting pregnant.
That depends upon whether you are covered under FMLA, and the percentage of premium paid by your employer. If you are covered under FMLA, then your employer is required to continue coverage on the same basis as before your leave. For example if your employer was paying half the premium and you we…re paying half the premium, this arrangement would continue while you are on leave. You would be responsible for continuing these payments. If your employer pays 100% of the premium you would have no payments to make. If you are not covered under FMLA your employer is free to ask you to pay 100% of the premium. ( Full Answer )
Incarceration? Like in jail? No, its not a disability to be in jail be a long time.
Your policy must begin before getting pregnant. Try to start your policy at least 3 months before conception. Most policies contain a 9 or 10 month exclusion for normal delivery. Not every pregnancy goes full term. If your policy starts 3 months before conception and you deliver early, your deliv…ery will most likely fall outside the exclusion period - making your maternity benefit payable. ( Full Answer )
Short term disability has a defined benefit that ends at a specified time. For example your policy may have a 3 month, 6 month, 12 month, or 24 month benefit period. If you are disabled for maternity leave you may be able to extend your benefit if your doctor provides a medical reason for why you… can't work. The typical maternity benefit is six weeks for vaginal birth, and eight weeks for a c-section delivery. This leaves room for you to extend the benefits before you reach the benefit period limit. If you remain disabled beyond your policy's benefit period you will not be able to extend the benefits. ( Full Answer )
You are more likely to receive a abscence of leave from work. Any pay received will depend on your contract, history and employment term. If unemployed then there are options.
Is it OK to wait until your long term disability ends after shoulder surgery in Colorado to apply for unemployment as you were let go when short term disability ended two weeks ago?
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. ( Full Answer )
It depends upon the plan that your employer maintains. Frequently, benefits are on a sliding scale, such as 75% for the first month, 60% for the next month, and 40% thereafter until the benefit expires. The percentages are based upon your earnings at the time of disability, and may be funded via an… insurance policy that the employer has taken out, or self-funded by the employer itself. ( Full Answer )
Counseling can be short-term therapy done to assist a person in dealing with an immediate problem such as marital problems or family planning, substance abuse, bereavement, or terminal illness.
Alabama does not have state short term disability. You have to buy a private group or indivdual plan.
No one can stop you from going on vacation while on disability but it may cause suspicion or even lead to an investigation in your case. The question your adjuster may ask is "If you are so disabled that you are unable to work, why are you able to take a vacation?" Basically it depends on your disab…ility. If for example, you have a limitation on mobility and you go on vacation, it may draw suspicion. If you tell the adjuster, "I work because I can't walk" and then go Disney World...red flag. If you have a limitation on something like a hand or arm, maybe not so much unless you go on vacation to a place in which physical activity is performed and the use of that hand or arm. ( Full Answer )
Yes, by the federal government only. The IRS, federal student loans, ect. Regular creditors can not.
A long-term disability is an illness or accident that impairs you from working and earning an income for a period of 3 months or longer. Lon-term disability insurance will pay a monthly benefit in case you can't work for three months or longer. Benefit period is usually 2 years, 5 years, or to retir…ement age (age 65, 67). The waiting or elimination period is generally 90 days or 180 days, after which benefits start. ( Full Answer )
Do you have to apply for Social Security Disability when you start getting Long Term Disability from your employer?
Yes, if your disability insurance policy has a benefit that is integrated with social insurance benefits. . Most employer paid disability insurance policies are integrated with social security benefits, because of the lower premium they have to pay.. Individual disability insurance plans can be pu…rchased with or without social security integration. Benefits that are not integrated with social security benefits will not be affected whether you apply or not for social security disability benefits. . ( Full Answer )
short term the work some times related. long term the work long time proses relaterd
Is an employer obligated to pay health insurance premiums when an employee goes on short term disability when they normally pay it if employee is not on short term disability?
The employer is obligated to follow its own written policy about employees out on short-term disability leave. The employer cannot, for example, pay for the president's health insurance when she is out on STD leave and then not pay for the entry-level clerk's health insurance when he is out on STD l…eave. If the employer does not have a written policy, then all employees who take a disability leave should be treated the same. ( Full Answer )
Check with SSDI first. If you collect Short Term State Disability, you may have to pay all your SSDI benefits back. The State doesn't always know what they are talking about.
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 pol…icies available in Virginia. ( Full Answer )
Upon proper application and determination of injury span, a valuation allocation is assessed which is based on rehabilitation of the individual and expense incurred (as well as other attributes such as any independent and public assistance measures that exist). Funding may be issued via an establish…ed agent or medium per access requirements deemed accountable. For example: Medical Disability will most likely be in administration via Medicare and Medicaid per limited social security access payment upon a set time - issued a set expiration card per basis of time frame for medical treatment. Also: if food assistance is allocated due to inability to provide the basics for the duration may be issued as a check and/or debit card system with specified approved locations that may be used as all assistance must be documented via private and public agents that must display upon audit an accountability of benefits used per budget expense and the beneficiary receiving such granted assistance. ( Full Answer )
you can either find a disability attorney to assist you or call and file an appeal claim directly with the short term disability. Is this for Workmen's comp or a federal disability like SSDI or with a insurance company like Aflac?
Most auto insurance policies have an optional coverage called work loss coverage that will pay for some amount of temporary disability if you are injured in an auto accident and have chosen to purchase this option on your policy.
Benefit payments begin after satisfying the policy eliminationperiod. The elimination period describes the length of time thepolicyholder must be disabled before benefit payments begin. The elimination period is established when completing the policyapplication. Generally policies with shorter elim…ination periodshave higher premium costs, so the answer partially depends upon thechoices made at purchase. There may be separate elimination periods for accidents andillnesses, so the answer also depends upon the reason for thedisability. ( Full Answer )
Most likely, the majority of disability benefits are considered income and therefore subject to garnishment. The deciding factor is usually the type of disability benefits whether from a private or public source. All SS benefits and state public assistance benefits are garnishable for child support …obligations Please be advised, when exemptable funds are comingled with other non exempt funds they are considered income until the account holder proves the monies are not subject to garnishment. ( Full Answer )
Your question can be interpreted in two ways, so I'll answer them both: The first answer assumes you want to know how to apply for COVERAGE (as in, "How do I get a short term disability insurance policy?"). My advice is to contact an independent insurance broker in your area specializing in life …and health lines of coverage (of which disability insurance is a subset) and ask them for quotes and advice. The National Association of Health Underwriters has a "find an agent" feature that may help in this (in related links). The second answer assumes you want to know how to apply for BENEFITS (as in, "How do I file a short term disability claim with my existing disability insurance company?"). Most disability carriers make it very easy to file a claim on your policy. You should contact them to get the necessary paperwork, or if you went through a broker to buy your coverage you may want to talk to them instead. If you have coverage through your employer you should talk to your HR department or your supervisor on how to file a claim. Many group short term disability plans offer telephonic filing or online filing, which makes the process even easier. ( Full Answer )
After a 90 day wait does your Insurance pay retroactive to theinjury date,or from the 90 day mark?