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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
Most likely, yes. File a claim and have your doctor complete the Attending Physician's statement as well as your specific limitations and restrictions. Then have your employer provide you something in writing, stating that they cannot accommodate your limitations and restrictions. Provide this documentation to the insurance company along with whatever other paper work they require. Check your policy for key definitions: * Own occupation policies will pay a benefit if you are unable to perform the material and substantial duties of your job. * Any occupation will pay a benefit only if you cannot perform any work.
* Total disability * Partial disability
Does HIPAA include disability insurance?
Not currently.
However, HIPPA, which is within the realm of privacy laws, is a fluid area. Consequently, it is an area of the law subject to change and should be monitored.
Frequently, courts interpret the requirements of statutes differently; that is, they do not interpret the statute literally. It is therefore important that you keep abreast of the interpretations of the law by courts in your jurisdiction.
Does an employer or the government pay for mental disability benefits?
You should have your own private DI which would pay on some mental illnesses.
What do you receive from full disability?
A full or total disability will trigger a total claim. The amount of benefit that a person received is dependent on the amount of benefit provided by the specific Disability insurance policy. To find out how much benefit your specific policy pays in a total disability claim, either revert to your original policy or call the insurance company you purchased the policy from.
Can you switch from work comp to short term disability?
Usually not, unless you can prove your injury did not happen at work and having it listed as such was an error (made by someone other than you).
I know being injured is the worst, dealing with people who want to give their 2 cents worth about your medical care is the pits, but if you have to be injured there are worse things than WC. Not suggesting you (or anyone) should take advantage - just think you should know what you are entitled to. Because WC only pays for these things if you know they are supposed to. (Check out what the particulars are for the state you live in.)
Assuming an injury occurred at/or was caused by - work
+ WC vs STD the benefits to WC :
+ WC payments do not have to be claimed on your taxes - (STD is taxed)
+ Receive WC and state benefits if you are taking a hit on take home pay - the amount you receive by WC subtracted from what you are entitled to on STD - STD makes up the difference.
+Your ability to see a doctor is guaranteed: If you don't like the doctor WC sends you to, you
have the right to a second opinion and after 30 days the right to see a doctor of your choice.
+WC pays for many services that most standard insurances won't (like acupuncture - massage - psych care - without deductibles or arbitrary limits - hospital care 100%)
+WC doesn't stop paying after x amount of time just because x amount of time passed.
+WC pays pharmacy - including OTC - if your doc orders it.
+WC pays for other services or equipment (durable medical) that STD won't cover.
+WC pays gas mileage.
+WC will retrain you if you are unable to return to U&C employment.
Can Sally Mae garnish your disability check?
Garnishment is a possibility, and disability checks are most likely not excluded. To avoid a situation like that, you have some options, which are explained on the Sallie Mae website. One option for those with outstanding student loans who are totally and permanently disabled is cancellation. forgiveness, or discharge. Even if that option is not possible, it may be possible to arrange monthly payments that are very low. Please visit the Sallie Mae website for more information. (See the Related Links).
NOT ONLY BAD QUESTION but ILLOGICAL - first you collect INSURANCE Benefits - not PAY (this money comes from insurance policy that you and/or employer pay into) - - You don't return any "insurance benefits" from anybody - unless they can prove your disability a fake. I'm guessing your short term disability is a personal health issue - and you're ready to go back to work, except you don't want to work for your old employer. If you want to get a new job - don't mention your short term disability to new employer. If new employer looks like they want to confer w/old employer - just cop a plea - like working for them made you sick! and now you realize that you need a different employer cause you Love what you do, and you want to work for someone who appreciates you! Well I could go on forever - but insurance proceeds are not PAY - and if they were you would have to pay income tax on them - so go ask IRS agent about your liability for next years income taxes. Best way to check that is to look at checks you getting from Insurance company - if pay - they're taking out FED/State income taxes.
Being pregnant is not a short term disability issue and definitely was not caused by a work place incident.
Do you quilify for disability benefits if you never worked?
It depends on your state. Some states do require that you have to prove that you have a disability which means getting a doctor's note.
Are you required to pay for health insurance while on short term disability?
That depends upon whether you are covered under FMLA, and the percentage of premium paid by your employer.
If you are covered under FMLA, then your employer is required to continue coverage on the same basis as before your leave. For example if your employer was paying half the premium and you were paying half the premium, this arrangement would continue while you are on leave. You would be responsible for continuing these payments. If your employer pays 100% of the premium you would have no payments to make.
If you are not covered under FMLA your employer is free to ask you to pay 100% of the premium.
Yes if you use a different Name and Social Security Number.
How do you get disability if you have never filed taxes?
Disability and taxes are unrelated. If you were injured on the job, file with the employment security office of your state. If not, check with Social Security.
Will social security benefits stop if the knee is replaced?
Are you still disabled?
Not if you are at full retirement, but if you are on disability SS, you may lose benefits if you are no longer disabled.
Does short term disability offer job protection?
Yes, short-term disability will pay a monthly benefit if you can't work due to an illness or injury, which occured on the job or even off the job site.
Benefir periods are tipically 30 days, 90 days, 6 months or 12 month for Short term disability. You need long-term disability to continue receiving benefits beyond the short term benefit periods.
Ask for multiple quotes from an experienced licensed disability insurance broker.
What is the benefits of television?
Well, televisions have many advantages and benefits. First of all, it provides a lot of healthful, educationl, and cultural programs. Second it is a way to entertain yourself for the good. But it all depends on the person who is watching it. You can entertain yourself for the good, or you can entertain yourself for what's bad and ungoldy.
Because of your higher earnings and larger contribution amounts during your period of contributing to your social security and medicare benefit account.
What benefits do you get with 100 VA disability?
Fifty to one hundred percent of your highest rank pay during your time in service, and based on the nature of the disibility and how you acquired it
Yes, but you must let social security know about the income. Your benefit amount may be reduced some to offset part of the income.
Where can you get a copy of the social security disability gird?
Go to the social security website and look at the listing of impairments. This will show what you will need to prove for disability
Can a person collect unemployment while on disability?
It stands to reason if the handicap was job-related- say exploding rocks causing blindness on a construction site, workmen:s comp might be in order! By and large unemployment ( as a financial recompense) and disability, are two differfent establishments, why don"t you contact the Social security office in your town.
Can California teachers receive disability?
If you are referring to State Disability, most likely not... Most California School District Employees do not pay into SDI, they pay into STRS, or PERS. These systems have built in disability benefits for permanent and long term disabilities (over 1 year) only if you are vested (5 years of service). There is nothing for short term disabilities other than your sick pay and differential (100 work days half pay after sick leave runs out).
You are legally required to report all earned income on your IRS tax forms, which automatically makes the information available to the Social Security Administration.
The SSA asks that you notify them of any work attempt, regardless of income earned. If you have been disabled less than 24 months, your work activity may trigger a continuing disability review.
Having said that, people on SSD are permitted to earn an average of $1,000 per month or less ($1,640 per month if legally blind) in 2010 without being considered engaged in "substantial gainful activity" (SGA).
Different rules apply for people on Supplemental Security Income (SSI) or a combination of SSD and SSI. If in doubt, check with your local Social Security office.
Which is the correct comparison between survivor ship life and a traditional joint life policy?
Joint life pays a death benefit on the first death, while survivorship life pays on the las death.
