Posted: Sun Jul 13, 2008 8:45 pm Post subject: Spouse,my insurance, broken ankle, complicated questions????
ok my husband is covered on my health insurance through my employer, he works but my insurance was free, so he dropped his and is covered on mine, he kept short and long-term disability via his job.
yesterday he broke his ankle on a 4 wheeler accident, it is crushed he will need surgury with rods/pins or repair it. He will be out of work for a while, not exactly sure how ong though. He operates a lift truck at work. ok I have never had to file insurance before I was wondering do i file for his short-term he has on his job or file via my insurance? what steps do I need to take to make sure I am doing everything properly and using all benefits that we have paid for.
I am not trying to get over on the insurance company or anything I am just confused and have never been through something like this, I don't want to find out months later, that i could have done things a certain way and got the most i could get.
just want benefits or something to cover the time he is out of work.
Medical Insurance and Disability Income Insurance are two separate forms of insurance.
Your medical insurance will pay the hospital/doctor bills for the medical claim and his disability income insurance will replace some of his earnings while he's unable to perform the duties of his occupation, usually 60% to 67%. _________________ Gary Spicuzza, *SAFE
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No rights reserved.
*Self Appointed Financial Expert
OP, I've done the same thing I have health care thru my husbands employer, and I carry short and long term thru my employer, Gary is correct give the hospital and docs your health care card, they will file all the necessary papers for that, you may have some to pay but not too much hopefully, and he needs to contact, probably the HR dept. at his work and file for the short term disability...At my work short term is paid at 100% of your salary and the length of time you can draw it is depenendent upon your tenure. Then long term kicks in for me that is 60%...good luck, let us know if you need any additional assistance. _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
diamondz, I think you should follow the way suggested by Gary. The health policy will cover the immediate medical expenses that he will incur during his visits to the med, but it'll not address to the loss of income that he is likely to suffer during the period he is receiving treatment. Disability insurance is for that purpose
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