Disability Insurance

The response time varies by the insurance carrier.

If your are filing for pregnancy disability before your delivery, you will have to show why you are unable to work.

If you are filing for maternity benefits the benefit payout is fixed at 8 weeks for c-section, and 8 weeks for vaginal delivery. These benefits are paid more quickly as the amounts are fixed, and it's simple to determine the reason for your disability.

If the Nystagmus condition this person has is severe enough, then yes they can qualify for Disability benefits. However it is not the simple fact of having Nystagmus that will enable them to receive Disability benefits.

Disability insurance companies and Social Security disability do not look at the specific condition a claimant has, but more so the effect this condition has on the person's ability to work. Disability insurance will only pay benefits when a person is prevented from working due to an illness or injury.

Therefore, if the Nystagmus prevents a person from being able to work, then depending on the Disability insurance policy they have, there is a good chance they can qualify for benefits. If the Nystagmus causes does not prevent the person from being able to work, then they will not be eligible for benefits.

You contact Winn Dixie human resource dept they will give you a form to have your physician fill out then the approve or deny it, if approved and you have the short term disability coverage you get a application from MET life and have it filled out and they send the checks directly to you it is at 60% rate of pay and they mail from Pa. you will not get it on the normal pay day so don't expect it on any certain day we have gotten 3 and none have come on the same day.

Yes if they are aged over 21 and are 4ft 10" or under they recieve over £400 a week

Unless the work does not violate your state's requirements for obtaining disability benefits, you would not be eligible.

Probably not. Short term disability is designed to protect your income in case YOU are unable to work due to a sickness or injury. The Family Medical Leave Act may provide you with an unpaid job protected leave to care for a family member.

You do not need to pay back the benefits. The insurance paid a benefit for the time you were physically unable to work because of your delivery.

Temporary disability is an insurance policy that replaces a portion of your income if you get sick or hurt, and can not work. The benefit can begin right away, and the benefit lasts for only a short time: at most 24 months. Hence the term temporary. If you are permanently disabled, the policy will stop paying at some point.

Yes. Most people would take it as a sign that the employer actually cares about their employee.

The is no time limit, because there is no state disability insurance in Texas.

State disability, where mandated, is typically short term coverage. Federal, or Social Security Disability is for long term disabilities and is available in all 50 states. You may be eligible for this coverage. Check out the social security website for details.

Disabilities can occur during a person's lifetime or it can be present at birth.

Some causes of disabilities during a person's lifetime include motor vehicle accidents, work-related accidents, or chronic illnesses such cancer, epilepsy, diabetes and the like.

Others are also born with a disability which may be present all their life -- some examples are mental retardation, blindness, cerebral palsy or other developmental disabilities.

Waiver of premium suspends the need to make premium payments during the time when you are disabled.

A waiver of premium provision is not automatic with every policy. Instead, it is an option that one may be able to select in return for an additional premium.

Frequently, the definition of "disability" for purposes of triggering the waiver of premium provision is different (often more strict) than the degree of disability needed to collect benefits under the policy. For example, one may be entitled to collect disability payments if he/she is unable to pursue his/her "own occupation" (meaning, some other type of job will not disqualify the insured), whereas the insured might have to be unable to perform "any occupation" in order for the waiver of premium to be triggered.

The best way to find out is to file a claim with your carrier.

Most short term disability policies will pay a benefit for normal delivery. Some will seek confirmation from your employer that you are not working and/or not earning an income. Others do not, they just need a note from your doctor indicating that you are unable to work.

Bad answer. STD policies do not pay unless you are incapacitated from working. You could be on maternity leave (if your employer offers it) without being incapacitated, and therefor ineligible for SDT or FMLA (which also requires complete incapacity).

There are three places to file a complaint, but none are likely to succeed unless you first gather the information you need, which is discussed in more detail below. The three places to file a complaint are: (1) with CUNA Mutual itself, as part of its internal appeal procedures, or with its consumer affairs office; (2) with the consumer complaint division at the Department of Insurance in your state; (3) with a private attorney, who will assess whether he or she can file a civil action on your behalf. But unless you first gather the information you need, none of these is likely to benefit you. A recent federal court case provides information about CUNA Mutual claim denials, and that information is now available on-line throught the federal court database, called PACER. The case name is Sharon McElgunn (for the estate of Teri Powell) v. CUNA Mutual Group, Civ. No. 06-5061, District of South Dakota, Western Division. There is a charge to download copies. However, you can read also the news story from the Rapid City Journal website (Rapid City South Dakota) dated June 12, 2009, without charge: http://www.rapidcityjournal.com/articles/2009/06/12/news/top/doc4a332cf8276ec310063754.txt The newspaper reports that Powell was a high school teacher for 27 years in a small town in S.Dak. and was dying of cancer and receiving hospice care. CUNA Mutual Insurance Society refused disability benefits under the certificate of insurance purchased by Powell. She went to a local attorney she knew as a friend. He started an investigation that led to a large amount of CUNA Mutual documents being discovered about CUNA's claim handling procedures. These documents were admitted in federal court, in a trial ending June 12, 2009. The court entered judgment of $6.2 million including penalties assessed against CUNA Mutual for bad faith claim handling. Teri Powell died before the trial took place. You may also go to Youtube and see the "Teri Powell testimony" video. Powell gave this testimony 30 days before her death. As a result of this trial, many of the documents uncovered in that case are now public information, and will be informative to anyone with a complaint about how CUNA Mutual handles claims. Once you have that background information, a complaint filed with any of the three entities listed in the first paragraph to this comment will be more likely to get the attention you need to make your complaint succeed.

The wellness model of care re: disabilities has an emphasis on dignity and holistic care. It provides sructure,when caring for people with disabilities.

Medical expense insurance: Covers some or all of the out of pocket expenses paid by the insured for covered medical expenses.

Disability insurance: Makes up for some or all of the income lost during the disability of the insured.

If you are currently injured and unable to work it will be very difficult to get coverage, and your current injury will be considered a pre-existing condition. You need to buy insurance when you are healthy, not after you get sick or injured.

NY State Disability Insurance replaces up to 50% of your income, or $170 per week, whichever is less.

Most workers in NY will find that this level of coverage inadequate. You can get supplemental short term disability to provide you with a higher level of income protection.

It was my experience that they compensate rather rapidly, assuming death certificate copy was promptly provided.

The premium cost will vary based upon your age, the industry of your employer, the length of the benefit period and elimination period you select, and whether you want on the job coverage. The best policy for a person under the age of 50 is about $10 per month per $100 of monthly coverage.

For example, a policy with a $5,000 per month benefit will cost you about $500 per month. Your late will be lower if you work in a lower risk industry.

Go to this link for Florida Medicaid Fact sheet, pg 11 explains medically needy share of cost calculation. http://www.dcf.state.fl.us/programs/access/docs/fammedfactsheet.pdf

No, you cannot deduct premiums paid on disability insurance policies. Two scenarios, first if your employers pays the premiums you would receive the disbursements as taxable income. If you pay your own premiums, then you would receive the disbursements tax free. Either way, you cannot deduct on your individual income tax the premiums paid. Think about it! If your employer paid the premiums, there was no expense to you, hence no deduction!. If you paid the premiums, you do have an expense BUT you are receiving the disbursements tax free and therefore could not take a deduction!

Maybe. You need more than a diagnosis to qualify for Social Security Disability (SSDI) or Supplemental Security Income (SSI). You also need to demonstrate that your diagnosis prevents you from working or performing Substantial Gainful Activity (SGA). The Disability Determinations Specialists will review your medical and employment records, and probably schedule you for a medical and/or psychological evaluation before making a decision.

It depends on how much LTD you bought. As in, $1500/mo for 2 years or maybe $2600 till age 65. Check your policy.

California replaces 55% of your income, up to a max of $949 per week in 2009.