Disability Insurance

Disibility pay for pregnancy is approx. 55% of your base period pay (highest paid quarter in the last calender year), and pays up to 4 weeks before and 6 weeks after birth, unless complications like cesection or any other situation that prevents you from returning to work, It's basicly up to your doctor! All this information can be found at www.edd.(whatever state your in).gov for me it's www.edd.ca.gov

Had to have a total knee replacement plus two shoulder surgeries am at 100 per cent disability

Check your policy for language about disability while unemployed. Many will require that you be unable to perform two or more activities of daily living.

how does it make things better

I would like to give you my opinion on that question even though most of us including myself consider alcholism a disability the state and or government does not i believe that you may have a chance at collecting unemployment benefits and you never know maybe you should file for disability and see if you qualify alcholism is a genetic disease and we learn our behaviors on drinking from our closest family members i hope i helped!

When you are in receipt of disability living allowance or DLA as it is also known you will also be on another state benefit such as income support or invalidity benefit and when you receive the money from the life insurance upon which you are waiting you will need to contact your local benefit section of the dhss to inform them of the extra money which you have received as it is by law that you signed a document when you made your application for the state benefit that you agreed to contact them should your circumstances change as will be the case for you and if the ammount of money which you receive is above a certain ammount then yes it could well affect your ammount of either income support or invalidity benefit but as long as you are still qualified to receive one of these benefits even if the ammount drops drastically as long as you receive something on one of these then your disability living allowance will not be affected and you do not have to imform the DLA benefit office of your windfall unless it affects your eligibility for receiving income support or invalidity benefit in which case you need to notify the DLA section of the dhss that your state benefit has been stopped and then because you are not receiving the same benefits as you were before that will make you also unentitled to receive disability living allowance as one of the criteria for being eligible for dla is that you must be in receipt of one of the other state benefits .

Check your policy language for details. Some insurers will pay benefits based upon your inability to perform certain Activities of Daily Living (ADL): eating, bathing, transferring, etc.

Others will require confirmation that you were working prior to your disabling event.

If you had active coverage under your group short-term disability or long-term disability plan on November 9, 2007, then you may be eligible for benefits. You will have to find out what insurance company handled your disability benefits during that period of time, and then follow-up with them. Whether you are actually eligible for benefits will depend on the contract your employer had/has with this insurance company. Some contracts have late filing penalties, some have clauses regarding termination of employment, etc. Long story short - call that insurance company. You may be eligible for disability benefits.

Most individual (non-group/non-employer sponsored) disability policies do not cover routine maternity claims, but there are still companies out there who offer it. What is offered can depend by state. So the best way to find out your options is to contact a local insurance broker who works with many different carriers, who can provide you with options and advice. Brokers can be found by going to the National Association of Health Underwriters (www.NAHU.org), the Independent Insurance Agents & Brokers of America (www.iiaba.org), or similar non-profit organizations.

If you are an employer, you'll be happy to know that any group disability policy written since 1978 and with a group size of at least 15 employees requires that pregnancies be treated the same way as an illness is treated under the policy. Many State laws lower the group size for this requirement. Even so, most group disability insurance carriers either automatically extend this coverage to groups less than 15 employees, or make it available by choice of the employer at the time the policy is written, so even smaller groups may also benefit include maternity disability coverage.

Even if your policy does include disability for pregnancies, you must pay close attention to the waiting period and the period of benefits. The waiting period is the time frame in which a person must be disabled and no benefits are payable. This could be days, weeks or even months. For example, if the policy has a 7 day waiting period then for the 1st 7 days of disability, no benefits would be payable until the 8th day on. There is a standard recovery time for not only delivery but any disabling condition & most insurance companies will consider benefits until the 6 week postpartum date for a normal delivery and 8 weeks postpartum for a c-section. Make sure the that the period of benefits (the maximum time period a person could receive benefits) would meet exceed the time frame you would need disability income.

ASO is an insurance acronym for "Administrative Services Only." It refers to an arrangement where an employer engages an insurance company to handle the administrative tasks (e.g. billing, claims handling, claims payment, qualification, etc.) for their employees. In these types of arrangements, the employer actually acts in a self-insured role which means that they are financially responsible for any claim payments to their employees. Many large corporations choose this type of insurance arrangement in order to obtain lower pricing from the insurance companies due to the fact that the insurance companies carry no risk obligation. The employees are still serviced by an insurance company, and often have no idea their employer is actually paying the claims behind the scene.

Technically, that money has to be reported to the IRS, which would offset your SSI benefits, so yes, it could be reduced or withdrawn completely.

Call the company directly or your agent.

70% of 600.00=$420.00 times 12 weeks (subtracted the 4 week waiting period) = $45040.00 or if you get the full 16 weeks, $420.00 times 16 = $6720.00

The calculation is as follows: $600 x 52 (#of weeks in a year) divided by 12 (months). This monthly amount would be $2600 x 70% - Her base benefit would be $1820 per month. Be sure to check the policy if her benefit would reduce by any other income such as retirement or social security. If so, the benefit would be less. The intention is that she would receiving about 70% of her income from all income sources combined.

Essentially, the company will forgo future premiums, while retaining policy benefits as previously, for a stipulated period.

SDI is usually a 0 - 30 day elimination period and benefit periods generally last up to a year.

Probably once you have enough retirement savings. Otherwise, it is one of the most valuable possessions you own and should be cherished not dropped.

yes

I'm not quite sure I understand your question. What does light work have to do with it? Here's information on CA Mandatory Short Term Disability
http://www.edd.ca.gov/direp/diind.htm

Sure...the Dis Inc is just like any other income.

But, generally SSI disability, being a substance type of payment not unlike a welfare program....means you don't have enough taxable income to worry about itemizing deductions, or even really paying tax anyway.

If you can afford to keep disability insurance, I would. As we get older, our bodies become fragile, and you want to be fully covered just in case.

Sounds like he would be. Good luck duking it out with him.

You need to contact the rep for your insurance and/or speak with your office manager. Insurance can be specific to individual companies, so really not a good way to answer this for you. So sorry!

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