Disability Insurance

If you can work, WORK! This is what is wrong with this country today, to many lazy people that can work are sitting home on disability when even a paraplegic can do something to make money. Cali is an expensive state to live in though, so I suggest going to the SS website and reading, or call SS and ask about what you can and can't do as far as work hours and doctor allowed labor, (depending on your condition) and still not have your ss income affected. Also, do as I just did, it only took a few seconds, Google: SS permanent and stationary disability.

Morbidity table (similiar to mortality table like CSO 1953-58, CSO 1980 etc)

my daughter had back surgery Friday. This was not workers comp. she does not know how her back was injured. does the state of South Carolina have short term disability? she has not been working at her present place of employment long enough to qualify for anything through that company. she was a seven year employee at her previous place f employment. is there any assistance available through the state of South Carolina or any type of grant available?

Five states mandate short term disability coverage: CA, HI, NJ, NY, RI.

The 45 remaining states leave the option open for employees. People in those states can elect to enroll in voluntary short term disability through their employer. Employees pay the premium via payroll deduction, so there is no cost to the employer.

If you file for unemployment and are not able to work, then you will be ineligible for benefits. However, if you are currently receiving benefits and become disabled, then yes...you would be flagged in their system to continue with benefits. It is a process because once you notify them of your disability, then your benefits will be placed on hold, you will be sent medical documentation for your Doctor to fill out, and return. The unemployment office will only know if you are disabled if you tell them.

The primary law that provides job security during leave from work is the Family Medical Leave Act (FMLA). It provides 12 weeks of job protected leave for qualified workers, employed by companies subject to the regulation.

You first need to determine whether your employer is subject to the regulation (there is employee size and other criteria), and whether you qualify as an employee (there is criteria based upon tenure and hours worked).

Several states have laws which expand upon the FMLA. Consider the laws for the state where you work.

A disability insurance policy can have two main categories of benefits: base benefit and supplemental benefit. Only the supplemental disability benefit can be reduced or offset by any other benefits received (including SS disability, Workers' Comp, or any other employer benefits). The base benefit will not be offset by any other benefits received.

Onoinarily, no. Disability insurance, like other types, is intended to provide benefits for only fortuitous events--those that cannot be planned and which are not intended or foreseeable. Although alcoholism may not have been the intention of the alcohol user, it was a foreseeable consequence of overuse.

That said, there may be limited benefits available for rehabilitation under a health insurance policy, as well as for medical care needed due to physical problems resulting from alcoholism.

A disabled ignition means a car or lawnmower will not start. There will need to be repairs made to enable the ignition to work.

NO !

Yes, you can work even if you're 100%.. there are only restrictions if you're less than 100% but considered unemployable.

No. It appears that the only assistance they receive is special assistance in their schooling.

See below link:

I was approved in January and got it in April. But different people get it at different times. You can get it fast or you may get it in a couple of months.

Believe it or not emotionally disturbed or learning disabled!

http://www.ssa.gov/disability/professionals/bluebook/12.00-MentalDisorders-Adult.htm

This gives a full list of accepted mental disorders for SSI disability ratings. These disorders must be diagnosed by a certified Psychologist or Psychiatrist and must be determined to be disabling to a degree that impairs daily functioning and the ability to seek, gain, and maintain employment of ANY kind. This means that if you are at all able to care for yourself or think critically on a regular basis, you will likely be denied the claim. For ratings they don't care what you currently do for work, only that you could get some type of job if you are not fully and regularly incapacitated to a degree that prevents work.

This would depend on the state you work in. In most states, if you qualified for long term disability, you could not be eligible for unemployment because, among other things, you have to be ready, willing, ABLE, and actively seeking full time employment.

Yes you can attempt to go back to work without losing your benefits. The Social Security Disability department has special rules that help you keep your cash benefits and Medicare while you test your ability to work. These rules are called "work incentives" or "employment support" programs.

The resources available can help with rehabilitation, finding an employer and even assist you in receiving benefits again immediately if you have to stop working again. There is a full section of the SS website devoted to this specifically, which I have added as a related link.

If you have been on disability for more than 24 months, you can earn an average of $1,000 per month ($1,640 if legally blind) without the Social Security Administration considering the work "substantial gainful employment" (SGA) and triggering a continuing disability review (CDR). If you earn more than $720 per month, the income counts toward your nine-month trial work period.

If you have been on disability for 24 months or less, any work attempt may trigger a CDR, requiring you to demonstrate your disability still prevents you from engaging in full-time work.

ALL of the other sources of worldwide income that you may be receiving or could be receiving that is NOT for your DISABILITY.

If you are receiving social security disability insurance payments for your disability then you are receiving A TYPE OF DISABILITY INCOME.

Or some other company paid or privately paid premiums of DISABILITY INSURANCE PAYMENTS that you could be receiving for your disability.

It is possible for some of the amounts of the above types of disability payment could also become taxable income to you on your 1040 federal income tax return.

Parkinsons is one of many diseases that can hurt someone and disable them, another though would be gangreen.

== == There is a possibility if those are your only issues. You need to be FT employed and pass all the other underwriting requirements. 4lifeguild For information concerning eligibility requirements for public disabiity the interested party can visit Social Security Online. SSAO, http://www.ssa.gov

This is not declared income and you will not have to pay income taxes on it. Same thing for child support. However, Alimony payments have to be delclared and will be taxed.

if my ex spouse dies can i receive benefits on his SS if i am disability

Yes, if you have significant heart muscle damage causing chronic congestive heart failure, abnormal heart rhythms (arrhythmia), or low efficiency (ejection fraction generally <20%, normal is 55-65%).

OSHA does not have, nor does it need, a definition of a disabling injury. That sort of definition would be found in state Workers Compensation laws and regulations, and in Social Security Administration regulations.