Disability Insurance

My daughter was denied. It is strange tho because when SS wanted to determine her BP we were reffered to a doctor who mentally tested her. As you know, BP is not a mental condition it's a physical condition. The doctor was very confused (he said) of why they reffered her to him if she has no mental delay. She had to be seen by a different doctor. I asked SS they said it was no mistake but I said I would hire a lawyer so they gave in and sent her to another doctor to check her physical condition. Guess what, she had met her milestones, thanks to her therapists. Like tying her shoes, button pants etc...she was denied. I plan to go back and re-apply since my daughter is older now and going into surgery. Her arm will be a little limp and she will have to work hard to get strength and mobility back. The government doesn't want to be giving more money so they easily deny. What angers me is that I have a friend who has a friend who was hooked on drug, he then lost his mind....his family applied for SSI because they claimed he was mentally challenged. He got it. He spends it on more drugs and alcohol. He is 40 living at home drinking 24/7. But my bby gets nothing...according to SS

Rather than a disability, alcoholism is viewed more as a disease.

reference:http://en.wikipedia.org/wiki/Alcoholic

However you would want to review the insurance policy of the agent/company, i guess..

If you are speaking of an individual disability policy (one that you are purchasing for yourself), the main factors are these:

1. The amount of the monthly disability benefit sought. An insurer will allow the purchase of a given benefit based upon your historical earnings. This is because disability insurance is not intended to be a profit making proposition for the insured--in other words, it will not grant a monthy benefit of more than you were making. To do otherwise would give the insured an incentive to "become disabled", which is fraudulent.

2. The elimination period chosen. This is similar to a deductible in a property and casualty policy. It is a period of time that must elapse before benefits start. Generally, a longer elimination period will reduce premium. It can be, for example, 30-60-90-120 days of continuous disability.

3. Whether the policy is an "own occupation" or an "any occupatiion" policy. The first will generally deem you to be disabled and entitled to benefits if you are unable to do the significant duties of the occupation that you held as of the onset of disability. The second will pay benefits if you are unable to perform the duties of an occupation for which you are suited by education, experience or similar factors. The first is more costly than the latter.

4. Your health at the inception of the policy. Disability policies are medically underwritten in much the same way as life insurance policies.

5. The length of time that disability payments are payable. Ordinarily, there is a coordination of this period with a specified age of retirement--such as age 65 when Medicare can be claimed.

There may be others particular to the policy that you are considering.

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To collect unemployment you have to be available for work. So, you would probably NOT be considered disabled to collect under your Disability Policy.

For more info check out the State DI and Social Security DI programs.

Only if the pregnancy has complications and the doctor recommends bed rest or otherwise decides that you can't work.

I work in new york but i live in new jersey

in Canada you can earn up to $5000.

In the United States, it is possible to draw disability and work part time, however there are certain restrictions you need to be aware of. I would suggest contacting your local Social Security Office or check out the Social Security Website, www.ssi.gov

If your doctor feels that part-time employment is an option, then the Social Security Administration should be able to let you know the rules regarding working while on disability.

Just be sure you are aware of all your responsibilities when it comes to reporting your employment and turning in pay stubs. It is important to remember that if there are any questions regarding payments, you may be required to pay some or all back.

The rule of thumb is that short term disability insurance will cost about an hour's wage per week in order to replace 2/3 of your income for 12 months.

For example, a person earning $20 per hour and working 40 hours per week earns $40,000 per year or $3,333 per month. 2/3 income replacement would equal 2,200 per month of coverage.

The cost for this coverage would be $20 per week, or $1,040 annually.

Actual cost will be based upon your occupation, the industry of your employer, your state of residence, your age, etc.

Yes. If the employer paid the premiums for the disability insurance payments that you are receiving. And you will have some taxable income that you will have to report on your 1040 federal income tax return.

In order to collect unemployment benefits, you must be physically able to work. In order to get disability benefits, you must NOT be able to work. So you can't have it both ways.

Between 60% - 85% would be considered good coverage.

yes, if qualified

Is the employer the DI company (self insured) or is there a DI company? Ultimately you would need to ask the claims department.

sure

Alopecia

you can be Jewish

Possibly. You can collect Social Security disability benefits under a parent's earnings record if you are determined to be disabled before age 22, even if you have never worked.

At 18, you are no longer eligible to receive dependent benefits unless you are still in high school, in which case you would be able to receive payments through the end of the school year or until two months after your 19th birthday, whichever occurs first. You may also be entitled to back benefits if you qualified to collect payments while living with your disabled parent, but never applied.

If you are disabled and have little or no income and few assets, you may be able to receive Supplemental Security Income (SSI) and other forms of federal and state aid, however.

Since your question is lacking a few important details, it would be a good idea to call the Social Security Administration at 1-800-772-1213 or visit the local field office and explain your situation to a representative. If you do qualify for benefits (either monthly or a lump sum back payment), the sooner you act the better.

Benefit payments begin after satisfying the policy elimination period. The elimination period describes the length of time the policyholder must be disabled before benefit payments begin.

The elimination period is established when completing the policy application. Generally policies with shorter elimination periods have higher premium costs, so the answer partially depends upon the choices made at purchase.

There may be separate elimination periods for accidents and illnesses, so the answer also depends upon the reason for the disability.

Texas short term disability can help you create maternity leave income, while also providing security in case of pregnancy complications, delivery complications, accidents and illnesses.

Short term disability has a defined benefit that ends at a specified time. For example your policy may have a 3 month, 6 month, 12 month, or 24 month benefit period.

If you are disabled for maternity leave you may be able to extend your benefit if your doctor provides a medical reason for why you can't work. The typical maternity benefit is six weeks for vaginal birth, and eight weeks for a c-section delivery. This leaves room for you to extend the benefits before you reach the benefit period limit.

If you remain disabled beyond your policy's benefit period you will not be able to extend the benefits.

Privacy considerations would likely preclude determining this information, regardless of whether the disability payments were coming from Social Security, from a private insurer, or from the person's prior employer. Naturally, you could always ask the person whom you suspect is a recipient.

You need to include any and all issues such as prior collect on STD or LTD. Just answer the application honestly at all times. Usually future pregnancies will not be an issue unless your Dr. has told you that you should not get pregnant again. If you are buying this thru work with a company like Colonial, AFLAC and the like, they are a lot more lenient on underwriting. 4lifeguild ---------------- Does the policy have any limitations on maternity? On the other hand, there are laws for Health Insurance that don't allow maternity to be treated any differently than other medical conditions. This may or may not apply to disabilty insurance. For more details follow the links at www.SteveShorr.com/maternity.htm _________________ All of the documents received (plan summary and booklet) do not indicate that maternity is treated differently than any other condition for purposes of a pre-existing condition. In other words, note of them describe any limitations on maternity. Can they claim that there is such a limitation on pregnancy if none of the documents I have been provided with contain that limitation?

I am having a bladder operation the end of this month that is going to keep me from work for 60 days. I am wanting to know if I qualify for short term disability during this time

Government is similar to private sector ♦ Collects taxes (net of transfers): T ♦ Buys goods and services: G ♦ Repays debt service: debt accumulated + interests paid rG. Or is paid by its debtors. ♦ Gov deficit can be split in two: ◊ The primary deficit is G1 - T1 ◊ Interest payments rG(D1) on inherited debt from the past. ♦ IBC is obeyed if: in period 2 the primary deficit is enough to repay the primary def in period 1 + the interests on that deficit + the interest and principal on old debt (D1) ? ♦ T2-G2 = (1+rG)(G1-T1) + D1 + rGD1