Can I afford unemployment benefits with disability?

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PostPosted: Tue Nov 18, 2008 1:42 am   Post subject: Can I afford unemployment benefits with disability?  

I was on short term disability ,then went on for long term.my co let me go feb 10/08.if i am released to work dec.10/08 can i still get my unemployment benefits,if filed before feb 2009.


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fred scherer
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PostPosted: Tue Nov 18, 2008 7:21 am   Post subject: Can I afford unemployment benefits?  

Quote:
I was on short term disability ,then went on for long term.my co let me go feb 10/08.if i am released to work dec.10/08 can i still get my unemployment benefits,if filed before feb 2009.




I think you can't collect both the benefits at the same time. Therefore, when you are receiving the long term disability benefits, you may not qualify for the unemployment benefits during this period.
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PostPosted: Tue Nov 18, 2008 11:37 am   Post subject: Can I afford unemployment benefits with disability?  

I'm not sure if I have understood the implication of the date in the post, may be some seasoned member can solve the puzzle.



However, once you have recovered from the reason of disability and is eligible to join back the work force and have the job ready in your hand (that is you were not sacked) you may not qualify for the unemployment benefits. And definitely you can't receive both the disability and the unemployment benefits at the same time.


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PostPosted: Sat Oct 10, 2009 12:18 am   Post subject: colorado unemployment  

can I collect unemployment benefits in Colorado if I have filed for social security disability but have not been approved? Is there a way to claim such benefits under unemployment after disability application gets rejected?


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Ric
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PostPosted: Sat Oct 24, 2009 3:20 pm   Post subject: unemployment and disability  

i am gettting unemployment, and dis ability case coming up how will this affect my hearing? The only reason i'm getting unemployment is that i once did light duty work for the company i worked for and this job is no longer avible


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PostPosted: Thu Oct 29, 2009 12:12 pm   Post subject: Can I afford unemployment benefits with disability?  

I think you can't collect both the benefits at the same time. Therefore, when you are receiving the long term disability benefits, you may not qualify for the unemployment benefits during this period (link removed by moderator-lori)

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PostPosted: Mon Nov 02, 2009 9:06 pm   Post subject: Can I afford unemployment benefits with disability?  

Let's clarify what we mean by disability benefits. If we are talking about a group plan, then no you cannot receive unemployment benefits b/c the only way you would receive benefits for group LTD is by still being an employee. If the company terminates you then you'll lose the LTD benefits but will become eligible for unemplyoment benefits.



If we are talking about individual disability insurance you could receive benefits and unemployment if you have been terminated from your current employee.


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anonymous34
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PostPosted: Tue Nov 17, 2009 9:39 pm   Post subject:   

Sot hat I'm clear - unemployment benefits refers to a govt paid program, completely outsdie of any insurance arrangements?



Or benefits granted under an insurance policy due to loss of income caused by redundancy?



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PostPosted: Wed Nov 18, 2009 11:19 am   Post subject:   

Quote:
Sot hat I'm clear - unemployment benefits refers to a govt paid program, completely outsdie of any insurance arrangements?
yep..when someone (in the US anyway) refers to unemployment they are talking about a state program..when you work you build up, 'unemployment benefits' it depends on how long you work and how much you've made, and why you are without a job if you qualify and how much you qualify to receive.

Quote:
Or benefits granted under an insurance policy due to loss of income caused by redundancy?
There are few jobs that offer this type of insurance, my husband has it (he's a RR engineer)..but honestly that is the only trade/union I know personally that offer it. It's a private policy that he pays for. Though never used thank God.


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PostPosted: Sun Mar 14, 2010 5:14 pm   Post subject: Unemployment and Longterm disability  

Can I collect unemployment if I was just approved for Long term disabilty?


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Redbird
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PostPosted: Mon Mar 15, 2010 11:13 am   Post subject:   

It depends, but would be hard..can you be searching for meaningful employment if your are on long terms disability? I don't know any state unemployment that doesn't require this.



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PostPosted: Wed Mar 17, 2010 2:02 pm   Post subject: unemployment and disability  

I've been laid off and have a disabling condition that may prevent me from re-entering the job market. Will I be able to collect unemployment and disability at the same time?


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PostPosted: Tue Apr 20, 2010 1:28 am   Post subject: unemployment  

If I am getting unemployment and have just been hospitalized can I still collect


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PostPosted: Tue Apr 20, 2010 11:52 am   Post subject:   

probably not if and when they find out. All states differ so you'll need to check with your case worker.



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PostPosted: Sat Apr 24, 2010 10:15 pm   Post subject:   

Quote:
Will I be able to collect unemployment and disability at the same time?




Generally, the answer is no. In reality, both disability insurance policies and government benefit plans, such as state disability and unemployment insurance, have language that requires what is known as "integration of benefits."



If a government benefit is mandated (such as state disability or workers' comp, or unemployment insurance) as a primary coverage, the amount that benefit pays could reduce your personal disability benefit, or require that your state benefit be reduced by your personal benefit.



Programs such as CA state disability insurance generally provide that any income from any source, including DI insurance will reduce the state benefit $ for $ first. Your DI policy would then pay its full benefit, and that would probably mean little or nothing would be paid from SDI.



Combining benefits from a DI policy and unemployment insurance usually reduces the DI policy benefit $ for $ by the UI benefit. Same is true of Workers' Comp. You get the state mandated benefit first, as a requirement of law, and your DI policy pays the difference between what it would pay on its own and what you get courtesy of state law (2/3 of your weekly wage, to a statutory limit). Could eliminate most or all of your DI payment (that's why most DI policies are "nonoccupational" -- they don't cover disability resulting from a work-related cause).



The whole idea is simple: to allow persons to collect double or triple benefits simultaneously would cause many (if not all) to consider the possibility that they could collect more money for being disabled than from their honest labor.



We call that a "morale hazard". A person develops a bad attitude toward work, and decides to sponge off the insurance providers instead. The language in insurance contracts and state laws try to prevent that from happening.



Still, our prisons have a number of residents who once thought it was very cool to get hurt on one job, start collecting workers' comp, and then go to work for someone else at the same time. Including a few former prison guards who tried to get away with insurance fraud like this.


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