Disability Insurance

Texas does not have a state mandated disability program. You can get coverage through your employer if they offer a voluntary option. You would need to begin coverage before getting pregnant.

Your spouse earnings belong to your spouse and would count as any earning for the year for your earning test amount. Only your amount of earnings for the year would be counted for the earning test amount for your social security benefits.

There are a couple of issues involved here. You should likely have a lawyer to assist you. This in itself does not constitute nor is it intended to constitute legal advice, not is an attorney-client relationship created or intended.

First, all States have statutes of limitations, which provide that lawsuits based upon different theories of law must be commenced within a stated period of time, or else they will be time-barred. Therefore, the answer to your question will depend in part upon the State, whether the account was founded on a written instrument, and when you made the last payment. As to the latter, making a payment on an account is often held to keep the account "alive", thereby tolling the statute of limitations. You need to consult a lawyer in your jurisdiction for specific advice as to this.

As to the disability insurance issue, in general, disability insurance is meant to replace lost income when you cannot work due to a covered cause of loss. By and large, you are free to use the disability payments for anything you need to use them for.

However, there are forms of disability insurance that are sold and purchased for the express purpose of paying a stated debt in the event of your disability. These are often sold in connection with a major purchase that you plan to pay for over time. If this is what you have, it is important that you reported the disability to the insurer so that claims process can be triggered.

You should also send copies of the summons and complaint to the insurer so that, if there is coverage, it can be handled. Additionally, contact the person or entity (or its attorney if it has one) immediately and explain the situation, giving him/her all salient information. In the meantime, attend all hearings and follow all instructions pertaining to the lawsuit so that a default is not entered against you; it is in this area that a lawyer will be of particular help.

National Guardian Life (NGL) offers Preneed, Final Expense and Group Markets insurance, but does not currently offer Disability Insurance.

benefit period

NJ has state mandated short term disability insurance for workers of private companies. Public employees are exempt from the mandate, but can buy coverage should the group choose the option.

Yes, they can. When you agreed and signed your finance contract at the time of purchase you agreed to keep the property insured until the note was paid off.

Yes

Yes, unless you pay/reimburse the employer for the insurance premium out of your own pocket.

Incarceration? Like in jail? No, its not a disability to be in jail be a long time.

This information would have to come from the payer of the disability insurance amounts.

No, not unless the termination is based on your work performance prior to the disability. You may want to have a good workers compensation attorney talk with you. You could have a wrong-full termination and/or discrimination of disability's claim.

Just a reference no. to look it up.

If the disabled person is receiving disability benefits from an individual Disability insurance policy then yes. Most individual and group Disability policies do have a provision that pays 3-months worth of disability benefit, if the insured dies.

However, this usually is assigned to a specific beneficiary and not necessarily the disabled person's child.

This depends on the type of Disability insurance you have and also how bad the ulcer is.

Normally, individual and group Disability insurance requires that you be unable to perform the material duties of your current occupation, in order to qualify and receive any benefits.

If the ulcer is preventing you from working in your job, then there is a chance you may qualify for benefits. If it does not affect your ability to work, then you should not expect to receive benefits.

If you are counting on Social Security Disability, you should not expect to be paid disability benefits. Social Security is significantly more difficult to qualify for. You must essentially be unable to do any form of work, in order to be considered disabled and eligible for benefits.

The simple answer is Yes. A person can certainly qualify to receive Long Term Disability benefits because of having cancer. However, it is not the fact that he/she has cancer that qualifies him/her for benefits.

In order to qualify for Long Term Disability benefits, a person must satisfy the requirements set forth by their Group or individual policy - which can be found by reviewing the definition of total disability along with the guidelines for Residual disability.

Without getting too far into detail, the requirement to receive Disability benefits from a group or individually owned policy will be worded something like:

To be considered totally disabled you must be unable to perform the material and substantial duties of your occupation (or "any" occupation, depending on your contract).

Thus explaining that it is not necessarily Cancer that enables a person to receive Long Term Disability benefits, but rather the inability to perform his/her occupational duties that can be caused by cancer.

In order to qualify for Residual benefits (benefits for partial disability), the debilitating injury or illness must cause a loss of income greater than 15-25%, depending on the policy.

As prescribed by your doctor. Your employer needs to comply fully.

Yes you can be insured on 2 cars.

A diagnosis of Fibromyalgia alone is often not enough to gain approval for disability. Generally, the disability examiners will want to see proof of other co-morbid issues that might give more validity to your claims of chronic pain and fatigue. A new ruling in July of 2012 has increased the viability of Fibromyalgia being considered a disability in itself. However, you will need to show strong evidence that all other possibilities have been ruled out and that your widespread pain and fatigue has severely limited your activity.

If you are considering filing for disability, be sure to keep good records of all of your doctor visits and diagnoses. Keep records of when you missed work and for what reasons and how often you felt you could not perform normal activities. It is good to keep a daily journal of your activities and what you felt you could not do due to your pain.

as the interviewee you shouldn't show the interviewer you want to put too much emphasis the fact you want to know about all the benefits of the company in the first few interviews.

the interviewer wants to know that you are interested in the position/company and everything they have to offer vs just what benefits they have -- even if this is really important to you, its important you don't want to show the interviewer that's all your interested in

You have to be physically actively looking for work with no reasonable restrictions, each week you receive compensation. See page 6 in the Handbook in the Related Link below for more information.

Having a medical professional tell you that you should not be working due to a injury or sickness is a good start to satisfying the requirements needed for one to collect disability benefits.

If you are relying on a personal policy or group (work) policy to pay you, than you must satisfy the full requirements set forth by that coverage. Either on a total disability or residual disability basis.

If you are relying on Social Security benefits, the requirements are a bit more strict. The inability to work needs to be expected to last at least one year or be fatal.

Having a medical professional recommend that you don't work is a good reason to submit a claim.

This type of insurance policy may be canceled by the insured or the insurer at any time, as long as the other person is notified according to the terms and conditions set forth in the policy, and the appropriate time is allowed during the notification process.