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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
Who will pay your mortgage and bills if you can't work due to an illness or accident?
Your insurance. Your work place has a long term disability policy, and if you qualify they will take care of you.
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Also; If you qualify for disability, state disability usually pays partial wages..for up to one year, but I am not sure if that is true or correct for yours or any other given state, but my own. There's also SSI. Social Security benefits pay a monthly amount, for the length of your disability. I am not sure how that works in your state. Don't forget, there's also un-employment & other state/governed methods that can help supply food, etc. Contact your local Human Service's Department to find out what you could do in your state.
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It depends on the state you live in, the Short Term Disability contract, and other factors.
Most employer-sponsored group disability policies will reduce (or "offset") the disability benefit due when STATE-MANDATED "no-fault" wage loss benefits are payable under an automobile insurance policy. On the other hand, many (but not all) employer-sponsored group disability policies will NOT reduce the disability benefit due when the customer purchased wage loss benefits through their automobile insurance that were NOT required by state law, and it is treated as an individual disability policy. This is a rare occasion when it is theoretically possible to earn as much or even more from the two policies than you were earning prior to the accident.
How it works can be further complicated when you are driving in a state other than your home state (for example, when that state mandates NO-FAULT wage loss benefits you may have them even in that state though you didn't know it), driving overseas (where your auto policy may not provide coverage), driving a company car, or driving a rental car with additional insurance purchased.
As a result, it is always a good idea to apply for all insurance benefits available even if you suspect your total income may not go up as a result.
Basically Goodwill was started for helping the needy whether that be in clothes furniture and other household items or jobs.
Morgan Memorial Goodwill Industries, Boston, the enterprise operated in Boston, where Goodwill was founded.
Morgan's mission was started originally as an urban outreach ministry, in 1902, of Morgan Methodist Chapel, Boston, Massachusetts, which was pastored by Reverend Edgar J. Helms, a Methodist minister and early social innovator. Helms and his congregation collected used household goods and clothing being discarded in wealthier areas of the city, then trained and hired the unemployed or bereft to mend and repair them. The products were then redistributed to those in need or were given to the needy people who helped to repair them.
Goodwill is a not-for-profit organization that provides job training, employment placement services and other community-based programs for people who have a disability, lack education or job experience, or face employment challenges.
In this pledge, Goodwill promises to fulfill the goals of success within each individual: "We at Goodwill Industries will be satisfied only when every person in the global community has the opportunity to achieve his/her fullest potential as an individual and to participate and contribute fully in all aspects of a productive life."
When you are on long term disability does that include health insurance?
Generally speaking, your health benefits through your employer will terminate after a certain period of time, even if you continue to receive Long Term Disability benefits. How long you may stay on your former employer's group health plan and who pays the premiums for that coverage depends on many factors, including the size of your employer, the state in which your employer is sitused, the state in which you work, and the state in which you live.
Generally speaking, if your employer is large enough to be subject to the Family and Medical Leave Act (FMLA) of 1993 (in other words, over 50 employees, not a church or government plan, etc.) and if you and your leave of absence meets the FMLA requirements, your health coverage will only continue until your approved FMLA leave has been exhausted (typically 12 weeks). According to the Department of Labor website:
"MAINTENANCE OF HEALTH BENEFITS
"A covered employer is required to maintain group health insurance coverage for an employee on FMLA leave whenever such insurance was provided before the leave was taken and on the same terms as if the employee had continued to work. If applicable, arrangements will need to be made for employees to pay their share of health insurance premiums while on leave. In some instances, the employer may recover premiums it paid to maintain health coverage for an employee who fails to return to work from FMLA leave."
Many states and the District of Columbia also have their own version of FMLA (sometimes called "Mini-FMLA") which expands the eligibility to smaller employers, lengthens or broadens the criteria of who is covered and when, or both. Similarly, if you belong to a collective bargaining agreement, your entitlement and access to health insurance may be contractually extended beyond the entitlements provided under FMLA or similar laws.
If your employer is smaller or is otherwise NOT subject to FMLA or similar laws, in most cases employers can and will terminate your group health insurance as an active employee as soon as you no longer meet that policy's "eligible class" definition. For example, if you are no longer working 30 hours per week on a full-time basis they may be able to terminate your coverage as of the day after your last date worked, the last day of the month, or... if it is their policy to do so... once you've used up your last date of accrued sick and/or vacation time (since some employers will consider you full time and in good standing until you've ran out of such employer-paid time off). Some employers will also extend this to the last date any Short Term Disability benefits are payable, but this depends on the employer, the state, and other factors.
It is very rare for employers to extend medical coverage beyond that which is required by law and into an extended period of Long Term Disability. When it happens it is often not in accordance with the health insurance policy's eligibility provisions. An employer, even as a result of good intentions, may be putting you at unintended risk by extending full-insured health insurance benefits to you if they do not in fact have the contractual authority to do so.
It should be noted that once your coverage as an active employee ends, this does not necessarily mean your access to health insurance has ended as well. For example, in most circumstances you should then be able to continue on the group plan on a premium-paying basis (if your employer is over 20 employees COBRA and/or State Continuation or "Mini-COBRA" for smaller employers) or else you may be able to "convert" to a free-standing individual (non-group) health insurance policy. Residents of some states and the District of Columbia have access to individual health insurance plans that do not require medical underwriting. Premiums are not always affordable to every person who is eligible to elect them.
Is a pregnancy related disability compensable on a short term disability claim?
If it is directly related to your disability and that is included in your short term disability policy then yes it would be covered. But if it is just because you dont want to work due to your pregnancy than it will not be covered. Disability is just what it means that you are disabled.
Can i use my secondary medical insurance to cover doctor's fees not in my primary plan?
not that we know of honey
Where to go to find out about short term disability?
An independent insurance agent expert in disability insurance can help with short-term disability or long-term disability.Look for a disabilitycenter on Google.
Can long-term disability insurance be garnished?
If you owe back alimony or regularly fail to pay on time, they can get a court order and take the money owed with a garnishment. A garnishment can be up to 50% of your total income until amount owed is paid.
Is there state administered short term disability insurance in California?
SDI premiums are paid by ALL W-2 workers in California AND their employers.
What happens to your health insurance once short term disability runs out?
Health insurance and disability insurance (short or long-term) do not affect eachother.
While health insurance pays for medical expenses reimbursement, disability insurance pays to replace your income lost due to healthconditions.
Is a knee replacement a disability?
You can go to the tag agency and fill out some forms, in return they can give you a TEMERARY disablity parking tag. A knee replacement would be somthing that would "disable" your range of movement, but because it is not permanent, you would not be accepted by society or by societies standards as a disabled person. However, you can manipulate society into accepting you as a a person with a disability if you take on the "disability" role. There is no way to explain what this role invovles, because it is different for each person, but you can use it if society accepts it.
Who are the eight types of workers not covered by state disability?
school districts, community college, churches, state workers, federal workers, interstate railroad workers, nonprofit organizations, domestic workers
How long before claim is invalid?
I was terminated on June 2011. I have Fibromyalgia I have not seen a doctor since 2011 because i have no health insurance. Can I still claim state disability if my future doctor sighs my paperwork?
Does your insurance stop when you have short term disability?
While you are on leave you have the option of continuing your insurance coverage under the same terms as when you were employed - provided your employer is bound by FMLA.
Once your FMLA leave expires and you remain disabled you can continue medical benefits via COBRA.
The Family Medical Leave Act provides 12 weeks of job protected leave, and applies to employers with 50 or more employees. If you are out of work longer than 12 weeks, and/or your employer has less than 50 employees - you can be fired.
How many people in the US collect disability?
There are currently 2 physically disabled persons in the US. Do you want to be 3rd?
How do you get short term disability in NY state?
NY State Short Term Disability replaces up to 50% of your income or $170 per week, whichever is less.
Your doctor must indicate that you are unable to perform the job duties of your primary occupation in order to collect.
Can you get an insurance license after bankruptcy?
It depends on the bankruptcy... In NJ, if it is a personal bankruptcy & didn't involve any breach in fiduciary responsibility or money of insurers or insureds then it will not prevent one from renewing or attaining an insurance license.
Is loss of memory covered by disability insurance?
yes in some States.
I am not in the disability business so consider the source. But I want to respond that almost anything can be treated as a disability so long as it is not voluntary and it interferes with working a regular job. By 'voluntary' I am making reference to obesity or alcoholism which are often treated as consequences of choice.
I know in one document I read many years ago, the determining factor of whether a problem was a disability had to do with how it affected the job YOU ARE TRAINED IN.
So my answer to your question is, Yes, it probably is covered. I can't say for sure because I don't know your policy. But the trouble may be in convincing them that the memory loss is sufficient enough to significantly interfere with your work.
