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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
Can you receive social security disability benefits even though you have a life insurance policy?
Yes, you can receive Social Security Disability Insurance (SSDI) benefits even if you have a life insurance policy. SSDI eligibility is primarily based on your work history and the severity of your disability, not on your financial assets or life insurance coverage. However, if you have a cash value life insurance policy, the cash value may be considered when assessing your financial resources for other assistance programs, such as Supplemental Security Income (SSI). Always consult with a professional for personalized advice regarding your specific situation.
I feel emotionally numb but I'm in now way stressed am i mentally disabled?
you are not mentally disabled you just feel a little bit different by being stressed just go get your mind off things and if that dont work then go to the doctor about it and they will tell you
Can you get disability insurance before having lasik eye surgury?
Disability insurance can be for a variety of reasons and most are unrelated to your ability to have LASIK eye surgery. If you are visually disabled then it is unlikely that LASIK would be a suitable treatment.
Does cigna dental insurance has coverage for lumineers?
In most cases, dental insurance does not cover elective cosmetic treatment like Lumineers.
What is the dental insurance code for replacing a broken or missing tooth on a upper dental partial?
D5520
Can you receive short and long term disability for alcoholism?
Under some circumstances. The most common is SSI.
Are any monks mentally disabled?
Answer
As the Monks are also humans, there may be mental disorders in some of them.
It is a less obvious form of bipolar, compared to bipolar 1. but as there mood changes more rapidly and often, bipolar 2 has a higher suicide rate
If pregnancy exacerbates a pre-existing medical condition can your disability claim be denied?
This isn't a yes or no question. See the research. Turn in the claim and see what happens. Is Pregnancy covered under the Disability Plan? When two causes join in causing injury, one of which is insured against, insured is covered by policy. Zimmerman v. Continental Life Ins. Co. (App. 1 Dist. 1929) 99 Cal.App. 723, 279 P. 464.
West's Ann.Cal.Ins.Code § 10320
Although ERISA plan participant's preexisting condition of congenital cataracts might have contributed to extent of his injuries, the preponderance of evidence in the administrative record established that accident, whereby participant tripped in his home and jammed his thumb into his eye socket, was proximate cause of participant's total loss of sight in his eye, and since accident was proximate or predominant cause of participant's total loss of vision in eye, he was entitled to recover from accidental death and dismemberment insurer under the terms of the controlling summary plan description (SPD) which only excluded accidental death and dismemberment due to most natural illnesses or diseases. Employee Retirement Income Security Act of 1974,
Weis v. Accidental Death & Dismemberment Ben. Plan of Kaiser Foundation Health Plan Inc. 442 F.Supp.2d 850 (N.D.Cal.,2006)
The district court found that: 1) McClure's disability was the result of the process of nature and, 2) McClure was entitled to benefits even though he had a preexisting condition, because the accident was the proximate cause of his disability. Under the "process of nature" rule, a claimed disability is considered to have occurred immediately within the meaning of a total disability policy provision when it follows directly from the accidental injury within the time the process of nature takes.
McClure v. Life Ins. Co. of North America 84 F.3d 1129, *1133 (C.A.9 (Nev.),1996)
the existence of a preexisting condition does not bar recovery under an ERISA policy unless the preexisting condition "substantially contributed to the disability or loss," even when the general policy language limits coverage to losses caused by accidents "directly and independently of all other causes.
McClure v. Life Ins. Co. of North America 84 F.3d 1129, *1135 (C.A.9 (Nev.),1996)
Where resultant disability is due entirely to lighting up or aggravation of pre-existing condition by industrial injury, employer is liable to compensate for entire disability, but where disability is partly due to industrial disability from injury, and partly due to normal progress of a pre-existing disease or condition, employer is liable to compensate only for portion or percentage of disability due to injury. West's Ann.Labor Code, § 4663.
Bowler v. Industrial Acc. Commission 135 Cal.App.2d 534, 287 P.2d 562 (Cal.App.1955)
Question whether compensation applicant's permanent disability results from effects of accident, including aggravating effect of accident upon pre-existing disease, or whether disability or part thereof resulted from normal progress of a pre-existing disease is a question of fact for determination by Industrial Accident Commission.
Bowler v. Industrial Acc. Commission 135 Cal.App.2d 534, 287 P.2d 562 (Cal.App.1955)
Where an employee's pre-existing condition is asymptomatic, and an industrial injury causes disability other than death, medical testimony may be resorted to determine whether disability is entirely due to injury, or partially due to a continuance of pre-existing condition.
Bowler v. Industrial Acc. Commission 135 Cal.App.2d 534, 287 P.2d 562 (Cal.App.1955)
An insurer's narrow definition of "injury" as one that is independently caused by an accident does not defeat coverage of an insured whose preexisting condition contributed to his injury unless the policy documents conspicuously set forth this exclusion.
Weis v. Accidental Death & Dismemberment Ben. Plan of Kaiser Foundation Health Plan Inc. 442 F.Supp.2d 850 (N.D.Cal.,2006)
In Saltarelli, we allowed an insured to recover for his medical expenses relating to a preexisting cancer despite an ERISA policy clause excluding coverage for "pre-existing conditions," finding that the exclusion, buried amid definitions in the policy, "was not clear, plain, and conspicuous enough to negate [a] layman['s] ... objectively reasonable expectations of coverage
McClure v. Life Ins. Co. of North America 84 F.3d 1129, *1135 (C.A.9 (Nev.),1996)
Pre-existing Conditions: No payment will be made for services or supplies for the treatment of a Pre-existing Condition during a period of six (6) months following your Effective Date. This limitation does not apply to a child born to or newly adopted by an enrolled Policyholder or enrolled spouse. However, we may apply Creditable Coverage to satisfy or partially satisfy the six (6) month period if the length of time between the ending date of your prior coverage and your Effective Date under this Policy did not exceed sixty-two (62) days. Pre-existing Condition means an illness, injury, disease or physical condition for which medical advice, diagnosis, care or treatment, including the use of Prescription Drugs was recommended or received from a licensed health care provider during the six (6) months immediately preceding the Insured's Effective Date of coverage. ---Blue Cross CA Individual Hospital Plan---
What are long term symptoms of stress reaction?
Long term symptoms of stress reaction can be varied. They can include depression, sleep disorder, weight loss or gain, irritability and substance abuse. Symptoms are as varied as the individuals involved in the stressors.
Can you get long term disability for ms?
The Americans with Disabilities Act supports long-term disability as an option for MS patients, and over 40% of patients rely on some sort of disability insurance for their income. However, before you apply for disability, it is important to discuss with your doctor the progression of your symptoms. The application process for long-term disability insurance is a lengthy one, and if your symptoms are manageable, you may be able to continue working while you apply. There are many legal employment protections that will help you manage a new work schedule around your symptoms, and depending on your line of work you may be able to work from home where you can be more comfortable. Many doctors will recommend that you stay working as long as you can, but as you age or as the disease progresses and symptoms get worse, long-term disability is a viable option. Along with your doctor’s office and insurance agent, there are many resources that will help you simplify the application process.
Is your tear complete? Some, may be most shoulder specialists wouldn't consider repair of a full thickness rotator cuff care elective. Yes, one can choose not to have surgery, but the result will be permanent damage, loss of function, and perhaps chronic pain.
Answer: If you can't do all of your duties at your job due to your injury, you can file for short term disability benefits.
Can you collect short term disability for surgery in Indiana?
Short-term disability benefits may be payable under a private insurance policy procured by you or by your employer. The policy will provide a definition of "disability" that has to be met in order to trigger benefits. Depending upon the definition, you may have to be rendered unable to perform the duties of your regular occupation at the time of the disability, or disabled from performing any duties of any occupation for which you are otherwise suited by education and experience. The policy may also prescribe a waiting period before benefits are payable, and will provide a maximum duration for benefits.
Therefore, the nature of the surgery and its effects upon you will determine whether short term disability benefits will be payable.
Where does depression rank in terms of leading factors that contribute to disability in the US?
first
How can someone with an H4 visa get health and dental insurance?
You can get a travel insurance up to 5 year.
If your doctor indicates that you are OK to return to work, your disability benefits will stop. You benefits would resume after your delivery, as your maternity leave is also a covered benefit.
Can you get ten weeks of disability pay for pregnancy?
The amount of time that you get disability pay depends upon the reason for your disability. The standard benefit period for normal delivery is six weeks for vaginal birth, eight weeks for a c-section delivery.
If delivery complications occur, and your doctor indicates that you remain disabled beyond the standard benefit periods, short term disability insurance will cover your extended disability.
Many women need to be disabled for bed rest prior to delivery. Short term disability insurance will cover this disability period as well.
Can you get unemployment benefits when terminated from job after short term disability ended?
Yes, you can qualify for unemployment benefits after being terminated from a job following a short-term disability, provided you meet your state's eligibility requirements. Typically, you must be able and available to work, actively seeking employment, and not have been terminated for misconduct. It's essential to check your state's specific rules, as they can vary regarding eligibility and the application process.
Does everyone with bipolar cheat?
No. My best friend is bi-polar and has only been with one woman for his entire life.
Where can you find help if disabled and need help paying for dentures?
Apply for medicaid and when applying ask about any programs in your area that may also assist with dental coverage.
Can you get disability insurance before having LASIK eye surgery?
Your plans to have surgery will not affect your ability to get coverage. But don't expect the policy to cover the procedure. Most policies will exclude pre-existing conditions for a specified period of time. You will be covered for accidents and illnesses that cause you to miss work that were not pre-existing at time of application.
No. Edited to change answer to YES! If I understand you correctly, you are receiving LTD from an Insurance Policy you had through your Employer or bought yourself. Right? And you were just approved for Social Security and received your backpay - from the time you filed to the time you were awarded. Right? And now your LTD Company is asking for most of that money and have now decreased your monthly benefit by the amount of your Social Security check. Right? This is all VERY LEGAL AND NORMAL! Your LTD company pays you a certain amount - mine pays me 60% of my pre-tax income. Let's just say that is $1,000 (it isn't) And they have been paying you that $1,000 for 3 years. Now, Social Security is going to pay you $700 a month. And they gave you backpay for the past 2 years. Then your LTD company is going to start paying you only $300 a month - $1,000 minus $700 SS Check. You will NEVER receive Social Security Disability of $700 PLUS your $1,000 LTD check. I would assume you would see why this wouldn't happen, right? And your LTD is also entitled to their $700 a month for those 2 years that Social Security paid you for backpay. So you will owe them $16,800 ($700 x 24 months) So the original answer of NO is wrong. If this is the scenerio you are presenting anyway.
