Disability Insurance: Policy that minimizes financial loss

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PostPosted: Sat Aug 25, 2012 10:29 am   Post subject: Insurance  

As you said disability insurance pays an income if anyone become unable to work due to a disability or illness..

So, when we will have to pay money to insurance company before this incident..and for how long time they can provide us their facilities.?


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PostPosted: Sat Aug 25, 2012 6:59 pm   Post subject:   

Quote:
So, when we will have to pay money to insurance company before this incident..and for how long time they can provide us their facilities.?


You need to meet with a local insurance agent and discuss your needs. Your question is too broad to properly answer here.



Disability insurance, like all other insurance, is something for which you make an application to the insurance company, receive approval or are declined for coverage, and then pay premiums. How long your benefit period lasts is a discussion between you and the insurance company based on your needs and your ability to pay the premiums.


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PostPosted: Sun Jan 06, 2013 5:53 pm   Post subject: short term disability  

im shopping


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PostPosted: Wed Jan 30, 2013 10:36 am   Post subject: social security disability insurance backpay  

sdi backpay.



I received my ssdi award letter. I know my first check will come on February 13, 2013. I have backpay coming but i dont know when. does anybody know how long it takes for that backpay check to arrive after getting your first ssdi check?

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PostPosted: Wed Jan 30, 2013 6:44 pm   Post subject:   

If it doesn't come with the initial check, it should come fairly soon thereafter. Are you entitled to "back pay" as the result of an appeal for benefits, or did you simply fail to file your claim immediately following your disability?



And are you talking about Social Security Disability Insurance (SSDI) or CA State Disability Insurance (SDI)?



SSDI checks, like all other payments from Social Security, are direct deposited on or about the first day of every month. CA SDI checks come by mail every two weeks for the duration of your disability or to the expiry of your benefit period, whichever comes first.



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PostPosted: Fri Mar 01, 2013 11:52 am   Post subject: occupational/accident ins.  

my occ/acc ins.wouldn't pay me for my stroke as of job relate injurie.for almost 4yrs.So is


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PostPosted: Fri Mar 01, 2013 1:22 pm   Post subject:   

A stroke is not an injury, it is a medical condition. As a result, any disability would never be paid for by any form of accidental injury benefit or insurance.



A long term disability policy is different. It simply pays a benefit if you are unable to work according to the definition in the contract, regardless of whether the disability is injury or illness related.



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PostPosted: Sat Mar 02, 2013 4:34 am   Post subject: SOCIAL SECURTIY BACK PAY  

Well since I had my stroke and now I'm getting my s.s.d..i. this started back in 2009 after waiting 7 month my first check was in feb.2010 but there wasn't no back at all up till now3 yrs.later. Do I get one I live in Tx


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PostPosted: Sat Mar 02, 2013 5:03 am   Post subject:   

Since the checks come from Social Security, don't you think it makes more sense to schedule an appointment with your local Social Security office and talk to someone who has access to your complete file and can probably answer your questions in 5 minutes or less?



Quote:
I live in Tx


It doesn't matter where you live.


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PostPosted: Fri May 17, 2013 6:58 pm   Post subject: Normal vs. Special Base period for computing SDI benifit amo  

I live in California, and have filed a pregnancy DI claim. I need assistance with getting my "normal base period" (Jan. 2012-December,2012) for computing my qualified weekly/daily pay amount substituted/adjusted to a "Special Base Period" (April 2012-March 2013) for my claim that started on May 8, 2013. I need to include my 1st quarter 2013 pay period due to the fact that I was on long-term unemployment from January 2012- December 17, 2012. I was unemployed all of 2012 (the normal base period) until I began working on Dec. 17, 2012 and received one week of pay during the normal base period of over $300. I earned a lot more during my first quarter of 2013 and if based on this amount my weekly benefit would be substantially increased from the one week I worked in December that they are calculating my benefit amount from.



Is my only remedy an appeal? Are you able to give me any advice or number I may call for assistance.

This loss in pay will be an extreme hardship on my family. It is hard enough taking a 55% cut in pay, which my HR office calculated I would receive, but this will be over a 90% cut in pay. My HR dept at work did not use the first four of the last five quarters to calculate my benefits, they used my last four quarters. EDD says this is incorrect and because I had one quarter with more than $300 paid to me in the normal period, my entire disability and PFL would be calculated using the normal Base period and can not be changed.



This is taken from the EDD website:

"Under certain circumstances, the law permits substitution of wages paid in quarters prior to the normal base period of a claim in order to make a claim valid and/or increase the weekly benefit amount. Special base period cases include cases where an individual’s wages during the normal base period were adversely affected by: military service, industrial disability, trade dispute, or long-term unemployment.

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PostPosted: Sun Sep 27, 2015 3:36 am   Post subject: occ/acc ins. on thne job.  

If I had a job-related injury while at work and I'm a o/o truck driver leased to a trucking co. and who pay for my policy on the job. Can a workers' comp. ins. step in for the job because they don't want to pay me and denial my claim I have on the job? QuestionQuestionTwisted Evil


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PostPosted: Mon Dec 07, 2015 5:11 am   Post subject: Disability Insurance  

Important and useful information about disability insurance, I have found here.

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PostPosted: Mon Mar 06, 2017 5:04 pm   Post subject: Become an disability insurance salesman  

I'm looking to sell disability insurance what I need to do our get paid for references/ refers


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PostPosted: Tue Mar 14, 2017 5:25 am   Post subject: Short-term disability  

I applied for insurance from my job on 2/2/2017. They denied me from payments from 12/17-12/31/16. Than the said my insurance had a waiting period. My job said it started 1/1/17 when they started payments from me. Now they are saying that all my doctors need to send records when my main doctor already did. They want to prove I'm disable. I have had two open heart surgeries, kidney failure, diabetes, and on the 24 of march I and having my heart shocked to stop my afib. Can I sue them Hartford.


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PostPosted: Wed Mar 07, 2018 4:26 pm   Post subject: injured while on unemployment  

currently on unemployment had car accident and unable to work ca i apply for disability


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