Disability Insurance

State disability payments typically are not affected by any private coverage you may have. Some private policies will "integrate" with other disability programs to make sure that you are not replacing too much of your income. Insurers don't want people making more money being disabled than working.

Canada's Revenue Agency has a long term disability insurance for disabled individuals. The amount received from this does, in fact, count as taxable income.

is pregnancy considered a pre-exsisting condition for medical coverage

Yes, if you are unable to work.

ANSWER:

Actually, if you are currently UNABLE to work, you can NOT apply for disability INSURANCE. You have to be actively at work to get insurance for disability.

Only arrears. Child Support payments should be adjusted to match what amount already being paid the residential parent by SSD, which is not deducted from the main payment.

The answer depends upon how you paid the premium.

If you paid the premium entirely yourself using after tax dollars, the benefit is completely tax free.

If you paid through pre-tax payroll deductions at work, the benefit is subject to taxation, and you must declare the income on your federal return.

If your employer shared in the cost of your premium, then the benefit is also taxable.

Your insurance company will likely send you a 1099 statement if the benefit is considered taxable.

Short Term Disability Insurance pays a 6 week benefit for vaginal delivery, and an 8 week benefit for c-section delivery.

There has been a great contribution of insurance sector in Indian economy. This has created more jobs and people are taking greater risks in investing and expanding business due to their insurance covers which has boosted the economy.

if the rider on your policy allowed for it, then yes. Standard in some states in a 24 month benefit duration for substance abuse, which may or may not be applicable depending on your contract language.

The NJ Short Term Disability insurance program is mandated for people who work in NJ for Private employers. Government employers are exempt from this mandate.

Most teachers work for a local municipal government, and therefore do not have mandated coverage. Many municipalities and school boards elect to participate. If your school board elected to participate, then you are covered. If not you are out of luck.

It depends on your coverage. Some companies may cover the meds your child needs to take and the counseling/therapy if needed.

Speak with an insurance agent. There are carriers who provide coverage outside of the U.S. Read the policy materials carefully.

Short Term Disability typically comes with benefit period options of 3, 6, 12 and 24 months in duration.

You will have to read the contract. Insurance contracts differ.

Yes, it's a part of Professional Liability.

the diff here is dis benefits are the same as getting socal sec benefits. dis pay more because of some kind of injury /not able to work. If the person is a child then they would get the payments up to not in school any more or over I think 16

disable

Your doctor may require bed rest for your pregnancy. Short Term Disability will usually pay a benefit provided there is a medical reason that you can't perform your job duties.

Short Term Disability will also pay a benefit after you deliver your baby. The common benefit is six weeks for a vaginal delivery, and eight weeks for a c-section delivery, less the elimination period.

Cervical spondylosis a severe spinal condition is a qualifier for disability payments. It is necessary for a panel of three doctors to approve the disability. An examination can be required as often as annually.

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Certain employers pay the medical insurance

premiums, either in full or in part, for their employees as

part of the employee's remuneration package. These renewals are also subject to the 20% tax relief at source. Medical insurance pays benefits to members if they are insured.

You rely on your income to pay your bills: mortgage, rent, car payment, utilities, groceries, etc. You need your income to save money for retirement and future emergency situations.

If you get sick or hurt and become unable to work all your bills will continue to pour in, but there will be no income to offset these expenses.

Disability insurance replaces a portion of your income while you are unable to work.

You can pay for your disability premiums pre-tax through payroll deduction. If you do this any benefit will be taxed as well.

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.