Is disability insurance worth getting?
490576
Disability is critical to protect the income stream of the any income earner.  Not just to protect the loss of income to the family, but also to cover the living and medical expenses of the disabled.\n\nHowever, you need to evaluate the policy.  $250/month sounds like a lot, but it might be because you're getting a high coverage.  Generally, you should insure about 2/3 of your current income.  Because the benefit will not be taxable if you pay the premium using after-tax dollars.\n\n- Does the policy cover own occupation or any occupation?  Get one policy that at least cover own occupation for the first several years of disability.\n\n- Does the policy pay up to age 65, or for a duration like 5 to 10 years?  The longer the payment, the higher the premium.\n\n- Is there a social security income rider? The premium will be cheaper with this rider since the insurance will work in conjunction with the SSI not in addition.\n\nIt's true that group policies are much cheaper than individual ones.  However, those policies will cease when your husband leaves work or is laid off.  It's still wise to own your own disability policy.  But if the job is relative secure, you might opt for a smaller coverage on your individual disability policy which will bring the premium down.\n\nAlso, if you pay the premium annually or quarterly, it's always cheaper than paying monthly.
940508
It totally depends on the policy.\nYou'll have to read it to see if the LTD policy will still pay if the person is awarded Social Security disability benefits.\n\nIn some cases, you'll be able to draw on both up to the policy limits of the insurance policy.\n\nBut there may be some LTD policies that reduce your benefits if you also collect SS disability.
1136378
Technically yes, but I don't know about your case.  It will depend on the disability insurance contract your employer has with its insurannce provider.  In most cases, the benefit is "integrated" with any other income the insuree is receiving.  Integrating means that dollar for dollar, any income you receive reduces your disability payment.  Income can include PTO, sick leave, holiday pay, other insurance payments like Workmen's Comp.\n\nBasically, let's say your disability pays you $400 a week, and you get $300 a week from Workmen's Comp.  Your disability benefit for that week will be $100 (before tax). That's how "integrating" works.\n\nSource:  I'm on medical leave, and my company's insurance contract specifies that I had to use all my available PTO pay and the disability insurance company integrated that, so for my first 3.5 weeks, I didn't get a penny from the insurance company.  Only after I had exhausted my PTO and had no income did I begin to receive full disability benefit payments.\n\nP.S.  If your injury or illness is expected to require a prolonged absence from work, or a reduced work schedule etc, then you should inquire to your HR about FMLA leave. (Family Medical Leave Act).\n\nFMLA provides protection for the worker on medical or family leave.  You probably need to check out your status. Start by asking your Human Resources rep, or your employer if there is no HR dept.\n\nHere are a few links to FMLA and labor sites you may find helpful.\n\nhttp://www.dol.gov/elaws/esa/fmla/s1.asp\n(this is the federal FMLA website)\n\nhttp://www.laborlawtalk.com/forumdisplay.php?f=15\n(LaborLawTalk.com is an excellent forum for any labor\nquestions/issues.)\n\nAlso check with your state agencies.
283820
They will lower your payments during your disability period.  My nephew had an auto accident over a year ago and has not been able to return to work and he's paying about one third of what he was paying , when he worked. If you have arears, i'm sure that will be worked out also.
919516
There are 50 different BC/BS plans, one in each state, so it totally depends on what state you are talking about.\nIn my state, its a pretty good plan with decent prices, but in other states it is really not that good.\nSo, it completely depends.\nIf you are moving away from an employer sponsored health plan where the employer subsidizes your premiums and you are headed into an individual plan, be prepared for a very large price increase.\n\nAnd it is a very very good idea to get both ST and LT disability policies, if you can afford them.  They are relatively inexpensive compared to what you have to lose in income if you become disabled.
776721
Applying for Social Security Disability or retirement can be a very drawn-out process. They are probably starting to process your claim. As hard as it seems, be patient and don't let all the waiting and stress of it get you down.
351423
The amount is dependent on few things,did you work? How old are you? Whether you receive it or not,depends on the severity of the disability or whether you are a child of a disabled parent (guardian)?
1178599
If you are truly disabled and can prove it in a federal court, you can get benefits. If you fail to prove it, you do not get them.\nthis is necessary because some peole fake disabilities to get free money. ( i know, it is sad that we all have to suffer for the actions of the few)\nso you are wrong.\nsociety does provide for disabled people between ages of 18 and 65. Surely theer has to be requiremenst imposed to assure freedom from fraud. under 18 and over 65 are PRESUMED disabled. That is very humane.
963321
It all depends on your actual case.  Nature and severity of the disability, how and when it occurred, current income/previous income, ability to work, long term care requirements, medical need family etc etc.  Each case is assessed individually according to the specific needs and situation of the person concerned.  If you're looking for state benefits then just apply but if it's a legal compensation thing then you have to go over all this with your legal representative.
1113076
you should have received one of those when you became disabled if you cant find it go to your local social security office they can give you a print out
12589
Contact Social Security about their Disability Programs. They can provide Social Security Disability Insurance or Supplemental Security Income if you have a verifiable disability. See http://www.ssa.gov/disability/
193765
It will be very hard to find individual coverage that will include the pre-existing condition, impossible to find it at a cheap price. I hate to say it but COBRA is probably your best bet at this point. To bear more bad news, COBRA is limited to 18 months. Will you be disabled longer than 18 months? if so I am afraid you'll be forced to take what you can get.
317209
While disability insurance, especially at a low cost provided through your employer, is an excellent idea, I'm not sure cancer is ever considered a good idea, and should be avoided.
929470
There are some cases where people are truly disabled and need the benefit, but the Social Security Administration tends to drag its heels. If you die before they pay, they don't owe anyone anything. If your doctor says you can't work, you are entitled.  Don't be discouraged by the ignorance of some of the posters.\n\nAccording to Social Security regulations, you have to be turned down once for disability, before you can call in an attorney.   If you have been approved, but your benefit has not been paid, contact your Congressman.  They can get things moving.  If you haven't been denied yet, you are going to have to wait for that to come.  When you get the denial, then you can get an attorney.  The attorney's fees are limited, by law,  to a percentage of what is owed to you for back benefits.  At least that how it was when I was trying to help folks through that maze.\n\nGood luck.
41940
Contact your local SSA (Social Security Administration) office. Tell them you need to sign up for SSD (Social Security for the Disabled). Depending on what state you live in, you may have to call your local Medicaid office and sign up for a program called MAD (Medicaid for the Aged & Disabled). There is a lot of paperwork, and this usually takes a long time before you see any benefits, but be patient. Good Luck!
1008244
unless you get on disability you will have to pay it back
1177571
Aflac is great. Eight years ago I broke my leg and was off work for 4 months. Thankfully I had Aflac. I had the short term disability and the accident policies. I received over 7,000 and it sure did help. And the agents were very nice and helpful. I think it is a great company.