How long will disability insurance pay if you are disabled for life?

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Are you asking about SSDI or a privately held Disability Insurance plan? SSDI will pay for life. If you are talking about DI insurance, it will pay as long as the policy allows. Benefit periods range from 6 mos to age 65 in most cases. You would need to reveiw the policy to see what your plan allowed. Also check the definition of occupation, if it is "any" occ, you may not be collecting as long as you wish. 4lifeguild
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Do employers have to pay for disability insurance?

In the US, California, Hawaii, New Jersey, New York, and Rhode Island impose mandatory state disability insurance programs for employees. The purpose of the programs is to provide some protection against wage loss caused by short-term non-work-related disabilities. The insurance premium is submitted (MORE)

Can you get mortgage insurance that includes life disability and unemployment?

Mortgage insurance For mortgage - I don't know of any companies that offer unemployment coverage other than through the State, those links are on the disability page. If you are self employed you can get unemployment and disability at your option through the State (CA) if your an employee, it's ma (MORE)

How long do you have to be out of work to collect long term disability insurance?

Long term disability benefits may be a benefit of employment, or provided under an individual policy purchased by the insured. In either event, the terms of the benefit will be defined in the plan or policy. These include the duration of time that the insured must be out of work, due to a disabling (MORE)

What insurance companies offer disability insurance with maternity pay?

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 (MORE)

If you are on disability and become the beneficiary of a life insurance does it affect your benefits?

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 secti (MORE)

Can you get disability insurance after a disability?

You can get disability coverage after a disability under certain conditions. It depends upon the cause of your disability and how long you have been recovered. Each carrier has different underwriting standards. Some insurers will offer a guaranteed issue to employer groups. Your ability to get co (MORE)

Who can get disability insurance?

Although Social Security provide you financial assistant but it fails when you some how or other get some disability. In such cases disability insurance can benefits a man. Any person who can pay for insurance policy can take a disability insurance. Companies pay different disability insurance as pe (MORE)

Do I pay FICA while on long term disability?

Reg. 31.3121(a)(4)-1 says no FICA after 6 months:. § 31.3121(a)(4)-1 Payments on account . of sickness or accident disability, or . medical or hospitalization expenses. . The term wages does not include. any payment made by an employer to,. or on behalf of, an employee on account. of the e (MORE)

If you become disabled can life insurance be cancelled?

This is an impossible question to answer without knowing looking at your policy. There are many reasons a life insurance policy can be canceled and many ways to keep most policies in force. There is no way to tell you exactly what your are and are not covered without reviewing your exact policy (whi (MORE)

Can you deduct long term disability insurance premiums on taxes?

No, you cannot deduct premiums paid on disability insurance policies. Two scenarios, first if your employers pays the premiums you would receive the disbursements as taxable income. If you pay your own premiums, then you would receive the disbursements tax free. Either way, you cannot deduct on your (MORE)

How much does ny state disability insurance pay?

NY State Disability Insurance replaces up to 50% of your income, or $170 per week, whichever is less. Most workers in NY will find that this level of coverage inadequate. You can get supplemental short term disability to provide you with a higher level of income protection.

What percantage of take home pay does disability insurance normally pay?

Disability insurance typically covers up to 2/3 of your gross income, up to certain monthly limits. The amount of take-home pay you will receive depends on several factors: If your income is very high, you may hit the monthly benefit limit, and thus receive a benefit that is less than 2/3 of your (MORE)

If you have long term disability insurance with your company but are paying for it 100 percent and are terminated from the job can you continue to pay the insurance privately and keep the policy?

This will be dependent on the coverage that your are offered and have been paying for at work. Some companies allow for individuals to continue coverage on an individual basis and others do not. The best way to find out is simply to call your specific insurance company and ask. If you are in good (MORE)

Are you required to pay for health insurance while on short term disability?

That depends upon whether you are covered under FMLA, and the percentage of premium paid by your employer. If you are covered under FMLA, then your employer is required to continue coverage on the same basis as before your leave. For example if your employer was paying half the premium and you we (MORE)

How do you get disability insurance?

For an individual: You would have to put in an application with a company that provides disability insurance. They will check your medical records, perform an exam, and also look into your financial statements and taxes to determine your eligibility. A large percentage of disability insurance applic (MORE)

Why do disability insurance companies ask if you have other disability insurance?

Disability insurance often replaces up to 2/3 of your income. The idea is to keep money flowing in during times you are unable to work, but not to create an incentive for workers to stay disabled. Insurers want you returning to work as soon as possible, and shorter disabilities keep premiums afforda (MORE)

How much will social security insurance disability pay?

In 2012, the average monthly SSDI benefit is $1,111, but the amount varies depending on how much you have contributed in FICA taxes. A cost-of-living increase typically is applied each year as well. If you receive SSDI benefits and you have a dependent under age 18, he or she also may be eligible fo (MORE)

How long are disability insurance payments issued?

Depending on the benefits schedule on your disability insurance policy.. A short-term disability policy can pay from 3 months to 24 months benefit period, and long-term disability policies have benefit periods from 24 months to 5 years, 10 years or to age 65, 67 or 70. You choose the benefit period (MORE)

When you get a car on disability do they pay your insurance?

It is unclear what you are asking, but I will do my best. If you are asking whether you can buy a car with your disability payments (from a private insurer, Social Security Disability, or otherwise), yes. Keep in mind, though that that may leave you short for other needs, but it is business decis (MORE)

Can you get term life insurance if you are disabled?

Just about anyone can get term life insurance - as long as they are willing to pay what is asked. Different conditions will cause the price to skyrocket and limit the number of companies willing to insure you. Blindness will get you labeled "disabled" but it doesn't raise your premiums near as much (MORE)

Do Employers have the right to deduct long term disability insurance premiums off your pay cheque without your consent?

At some time you had the opportunity to choose your benefits and you signed the application for the disability insurance. If you want the insurance you will have to pay for it. If not go to your personnel office and cancel it. You may have to wait until the renewal date if the company only lets you (MORE)

How long does employer has to keep insurance on you when out on disability?

"Out on disability" for how long? If it is only a temporary absence with an assurance that you're coming back to work - and your insurance is part of your salary/pay package, it should remain in effect. On the other hand, if you are out permanently with no possibility, or thought, of returning (MORE)

When you are on long term disability does that include health insurance?

Generally speaking, your health benefits through your employer will terminate after a certain period of time, even if you continue to receive Long Term Disability benefits. How long you may stay on your former employer's group health plan and who pays the premiums for that coverage depends on many f (MORE)

Will disability insurance pay for alcohol treatment?

Onoinarily, no. Disability insurance, like other types, is intended to provide benefits for only fortuitous events--those that cannot be planned and which are not intended or foreseeable. Although alcoholism may not have been the intention of the alcohol user, it was a foreseeable consequence of ove (MORE)

How long do you pay child support for a disabled child in Texas?

In ALL 50 states you pay child support until your obligation is complete. If you owe back support (regardless of what state you are in) you MUST pay the back support regardless of the age or disability of the child. In unique circumstance the age of the child support obligation can be increased thro (MORE)

Does Erie car insurance pay for short term disability?

Most auto insurance policies have an optional coverage called work loss coverage that will pay for some amount of temporary disability if you are injured in an auto accident and have chosen to purchase this option on your policy.

Do all term life insurance policies have disability?

What you may be referring to is a disability waiver of premium. This is a provision that is generally available, for an additional premium, that waives the payment of premiums upon the disability of the person who is responsible for the payment of premiums. The disability waiver is, as stated, an o (MORE)

Where can one find information on life and disability insurance?

One can find information on life and disability insurance at their local bank or insurance agent. Online there are many resources available and multitude of advice. the governments of Canada and the United States both carry information and links on their official website about how to acquire infor (MORE)

How long does a person have to furnish an insurer with a claim for disability benefits?

If your question pertains to a private disability policy, thepolicy language will generally state that a claim for benefits mustbe filed "as soon as practicable". Group policies generally havesimilar language. Broadly, this suggests some flexibility basedupon the circumstances of the illness or inju (MORE)