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Disability Insurance

A form of insurance that insures the beneficiary's income against a potential disability that will make an employee incapable working

905 Questions

Would cirrohosis of the liver qaulify me for disability benefits?

Yes, cirrhosis of the liver can qualify you for disability benefits if it significantly impairs your ability to work and perform daily activities. The Social Security Administration (SSA) evaluates liver conditions under its listings, particularly if they result in severe complications or functional limitations. To qualify, you'll need medical documentation detailing the severity of your condition and how it impacts your daily life. It's advisable to consult with a healthcare provider and a disability attorney to navigate the application process effectively.

Do children with a parent of disability get benefits?

Yes, children with a parent who has a disability may be eligible for benefits depending on the specific circumstances and the type of disability. In the United States, programs like Social Security Disability Insurance (SSDI) can provide benefits for dependent children if the parent qualifies. Additionally, Supplemental Security Income (SSI) may also offer support for families with low income or resources. Eligibility criteria can vary, so it's important to check with local agencies for specific information.

What is the largest back pay paid to veterans with disability.?

The largest back pay awarded to veterans with disabilities can vary significantly based on individual circumstances, including the severity of the disability and the length of time the claim was pending. Notably, some veterans have received back pay amounting to hundreds of thousands of dollars, particularly if their claims were retroactive to several years. The U.S. Department of Veterans Affairs (VA) provides compensation that can accumulate over time if there are delays in processing claims. Specific high-profile cases may be reported, but the exact figures can fluctuate based on ongoing claims and updates in legislation.

Can you get state disability when I am on unemployment not on the same time?

Yes, you can receive state disability benefits while you are not on unemployment benefits, as they are separate programs. However, you cannot collect both benefits simultaneously for the same period. If you qualify for state disability, you can apply for it while you are not receiving unemployment benefits. Be sure to check the specific eligibility requirements and regulations in your state, as they can vary.

Can you get disability benefits while you are in the hospital?

Yes, you can receive disability benefits while hospitalized, as long as you meet the eligibility criteria for those benefits. Your benefits may not be affected by your hospital stay, but you should notify the relevant agency about your hospitalization. It's important to ensure that your medical condition continues to meet the requirements for disability, as assessments may occur. Always check with your specific benefits provider for their policies regarding hospitalization.

Where can i get a list of the top 50 disability income insurance companies in the US?

You can find a list of the top disability income insurance companies in the U.S. through financial comparison websites like NerdWallet, Policygenius, or Investopedia. Additionally, industry reports from organizations like A.M. Best or the National Association of Insurance Commissioners (NAIC) may provide rankings. Consumer reviews and ratings on platforms like Trustpilot or Better Business Bureau can also offer insights into the leading providers.

What happens if you become pregnant while on long term disability through great west life?

If you become pregnant while on long-term disability through Great-West Life, your benefits may continue, but the specifics can vary based on your policy and the nature of your disability. Generally, if your pregnancy is not related to your existing disability, it might not affect your benefits. However, you should notify Great-West Life about your pregnancy to ensure compliance with their requirements and to understand any potential changes to your benefits. It’s advisable to review your policy details or consult with a representative for personalized guidance.

In California can your employer fire you while you're on long term disability?

In California, an employer generally cannot fire an employee solely for being on long-term disability if the employee is protected under the Fair Employment and Housing Act (FEHA) or the Americans with Disabilities Act (ADA). However, if the employer can demonstrate that the termination is based on legitimate business reasons unrelated to the disability, it may be permissible. Employees on long-term disability still need to comply with company policies and may be subject to termination for reasons not related to their disability. It’s advisable to consult with a legal expert for specific cases.

Will short term disability cover substance abuse?

Short-term disability (STD) coverage typically varies by policy and provider, but many STD plans do not cover disabilities related to substance abuse or addiction. Generally, these plans focus on medical conditions that prevent an individual from working, and substance abuse may be considered a self-inflicted condition. It's essential to review the specific terms of your policy and consult with your insurance provider for clarity regarding coverage for substance abuse-related issues.

Can you receive long term disability from a group plan where you work and also get social security disability?

Yes, you can receive long-term disability benefits from a group plan through your employer and Social Security Disability Insurance (SSDI) simultaneously. However, many group long-term disability plans have provisions that may reduce the benefits you receive from the plan by any SSDI payments you are eligible for. It's essential to review the specific terms of your group plan to understand how it interacts with SSDI benefits. Consulting with a benefits specialist or attorney can also provide clarity on your situation.

What is a non-disability claim?

A non-disability claim refers to a type of insurance claim that does not pertain to a disability-related issue. Instead, it could involve claims for damages, losses, or other incidents covered under various types of insurance policies, such as property, liability, or automobile insurance. Examples include claims for theft, damage to property, or personal injury not related to a disability. Essentially, it encompasses any claim outside the realm of disability benefits.

How do you apply for state disability through kaiser?

To apply for state disability through Kaiser, you should first obtain the necessary forms, typically the Disability Insurance Claim form, from Kaiser’s website or your local office. Complete the form, ensuring you have your healthcare provider fill out the medical portion. Submit the completed form to the California Employment Development Department (EDD) and keep a copy for your records. It’s also advisable to follow up with Kaiser and the EDD to ensure your claim is processed.

Does Long term disability insurance affect Social Security Disability Insurance or individual health insurance?

Long-term disability (LTD) insurance can impact Social Security Disability Insurance (SSDI) benefits, as SSDI may offset the amount received from LTD benefits, potentially reducing total compensation. However, individual health insurance is generally not affected by LTD insurance; they serve different purposes, with health insurance covering medical expenses and LTD providing income replacement during prolonged disabilities. It's essential to review specific policy details and consult with a financial advisor for personalized implications.

Can you collect disability after 12 months?

Yes, you can collect disability benefits after 12 months, but it depends on the type of disability program and your eligibility. For Social Security Disability Insurance (SSDI), you must have a qualifying disability that has lasted or is expected to last at least 12 months. If you're approved for benefits, payments typically start after a five-month waiting period from the onset of the disability. Always check with the specific program or agency for exact requirements and timelines.

When a case is rated for permanent disability and settled this is called?

When a case is rated for permanent disability and settled, it is typically referred to as a "permanent disability settlement" or "permanent disability award." This settlement compensates the injured party for the long-term impact of their disability, often taking into account factors such as loss of earning capacity and ongoing medical expenses. The settlement amount is usually determined based on the severity of the disability, applicable laws, and negotiations between the parties involved.

Can a disability insurance company put a lien on me?

Yes, a disability insurance company can potentially place a lien on your benefits if you owe them money or if they have paid out benefits that they believe they are entitled to recoup. This often happens when there is overpayment, or if the payout is related to a claim that is disputed. It's essential to review your policy and any communications from the insurer to understand your rights and obligations. If you have concerns, consulting with a legal expert may be beneficial.

What is the CPT4 Code for disability examinations Is 90001 correct?

The CPT code for disability examinations is typically 99455, which is used for work-related or medical disability examinations. Code 90001 is not a valid CPT code. It's important to refer to the latest CPT coding guidelines to ensure accuracy, as codes may vary based on specific circumstances and updates. Always confirm with the most recent coding resources.

Why is it important to treat customers equally regardless of their Disability?

Treating customers equally regardless of their disability is crucial for fostering inclusivity and accessibility, which are fundamental principles of a fair society. It ensures that all individuals have equal access to goods and services, promoting customer satisfaction and loyalty. Additionally, equitable treatment demonstrates respect and acknowledges the diverse needs of all customers, enhancing a brand's reputation and commitment to social responsibility. Ultimately, it helps create a more inclusive environment where everyone feels valued and respected.

Why should people with BIID receive disability benefits?

People with Body Integrity Identity Disorder (BIID) experience a profound mismatch between their physical body and their identity, often leading to significant psychological distress and impairment in daily functioning. Recognizing BIID as a legitimate condition can help ensure that individuals receive the necessary support, including disability benefits, to manage their symptoms and improve their quality of life. Providing such benefits acknowledges the genuine challenges faced by those with BIID and promotes access to therapeutic interventions that can assist in their well-being. Ultimately, offering support aligns with principles of inclusivity and mental health awareness.

Can you receive VA disability benefit and stay in reserve or get mobilize?

Yes, you can receive VA disability benefits while serving in the reserves, and being mobilized for active duty does not disqualify you from those benefits. However, the impact of mobilization on your benefits may vary based on your specific circumstances and the nature of your disability. It's important to inform the VA of any changes in your service status and consult with a VA representative for personalized guidance.

Can you collect ssi disability benefits for a stepchild?

Yes, you can collect SSI disability benefits for a stepchild under certain conditions. The stepchild must meet the eligibility criteria, including age, disability status, and living arrangements. Additionally, the stepchild must be dependent on you for support. It's important to check with the Social Security Administration for specific requirements and documentation needed to apply.

Can alcoholics fired from job for alcohol get State Disability insurance and if yes how long do you have to file a claim. and I have worked continually all my life. The state is California.?

In California, individuals who are fired from their jobs due to alcoholism may still qualify for State Disability Insurance (SDI) if they have a medically diagnosed condition that prevents them from working. However, claims related to alcohol-related issues can be complicated and may be scrutinized. Generally, you must file your claim within 49 days of becoming unable to work due to your condition. It’s advisable to consult with a legal or financial expert to navigate the specifics of your situation.

What is sub Rosa films?

Sub Rosa Films is a production company known for creating independent films and documentaries. Founded by filmmaker and artist, the company focuses on innovative storytelling and often explores themes of culture, identity, and social issues. Sub Rosa has gained recognition for its unique approach to filmmaking, blending artistic vision with thought-provoking content. Their projects often aim to challenge conventional narratives and engage audiences in meaningful conversations.

Can you borrow against your disability insurance?

Typically, you cannot borrow against your disability insurance policy like you would with a life insurance policy that has a cash value. Disability insurance is designed to provide income replacement if you become unable to work due to a disability, rather than serving as an asset to be borrowed against. However, if you have a permanent policy with cash value, you may have options for loans against that value, but this varies by policy and provider. Always review your specific policy details and consult with your insurance agent for personalized information.

Will tricare assist in long term rehab at a facilityfor wife of 100 percent disabled vet you have long term care insurance that will pay a portion of her needs?

TRICARE may provide coverage for long-term rehabilitation services, but eligibility can depend on specific conditions and the type of care required. For the wife of a 100% disabled veteran, TRICARE may cover some inpatient rehabilitation services if they meet the criteria. However, it's important to review the details of the long-term care insurance policy, as it may cover additional costs not covered by TRICARE. Consulting with a TRICARE representative or a benefits advisor can provide clarity on the available options and coverage limits.

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