0
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.
What else can I help you with?
Can a spouse be dropped from employer's insurance if spouse is insured?
Yes you can select whatever coverage you want through your employer. However, your enrollment is through your employer and they usually only allow you to make changes to your coverage during open enrollement (the beginning of the year most commonly).
What if the cobra insurance coverage is better than the new employer's insurance, can I still keep the cobra coverage?
If the COBRA insurance coverage is better than the new employer's insurance, you may choose to keep the COBRA coverage instead of enrolling in the new employer's insurance.
Are long term disability payments taxable if employee pays for coverage through their company?
You should consult with a tax specialist, but generally employer paid disability insurance benefits are taxable.
What is the qualifying event for enrolling in employer-sponsored health insurance?
The qualifying event for enrolling in employer-sponsored health insurance is typically when an employee first becomes eligible for coverage, such as when they start a new job or during the annual open enrollment period.
Can you drop you health insurance coverage at anytime from your employer?
Can you drop your health insurance coverage at anytime from your employer?Read more: Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer
Can you drop your health insurance coverage at anytime from your employer?
Can you drop your health insurance coverage at anytime from your employer?Read more: Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer
Does Virginia have long term disability?
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 policies available in Virginia.
If your employer doesn't offer short term disability can you get it through the state of GA?
Georgia does not have state disability insurance. You need to approach your employer, and ask to make the option of short term disability coverage available to you and your co-workers. It is something you would pay for yourself through payroll deduction, so there is no direct cost to your employer.
Is there supplemental disability insurance?
Yes, and it's recommended to add supplemental disability insurance to cover closer to 100% of your income. If you have disability insurance through your employer, your benefit will be capped at 66% of your income. The benefit received from a group disability policy (through your employer) is taxable. Supplemental disability insurance benefits are not taxable. You can add Catastrophic rider on an individual disability insurance policy, to cover up to 100% of your income in combination with your existing employer group DI.
Purchase Disability Insurance?
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?=_
How can I cancel my COBRA insurance coverage?
To cancel your COBRA insurance coverage, you typically need to notify your employer or the plan administrator in writing within the specified timeframe. Make sure to follow the specific cancellation procedures outlined in your COBRA enrollment materials to avoid any penalties or issues.
Can an employer refuse insurance coverage to an uninsured spouse?
Maybe. What does their agreement with the Insurance Company say? Employment manual? Are other dependents covered for other employees? Open Enrollment? Qualifying Event? For more info see www.SteveShorr.com
