If you are released to return to work after being on short term disability and no work is available can you apply for unemployment insurance in Illinois?
Because the disability and lack of available work were no fault of your own should be no reason you would not be eligible for unemployment, on those issues.
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Answer . Yes. Once it has been determined by your medical doctor that you are able to return to work again, you are expected at work the next day. If you fail to show up f…or work, the company may consider it a 'voluntary quit' and/or terminate you.
NJ has state mandated coverage, and PA does not. The NJ disability plan covers NJ workers, not NJ residents. Check your paystub, and you will see that no deductions are bein…g taken out for NJTDI. Short term disability insurance is available through private insurers for PA workers.
If a doctor said you cant work and the employer has no light duty work and puts you on short term disablity how can the insurance company deny my claim?
because there crooks
Assuming that you are referring to short term disability insurance, it is intended to replace income when the insured is unable to work due to an injury or medical condition t…hat is not excluded by the terms of the policy. The reference to "short-term" distinguishes the coverage from long-term disability, which, assuming conditions are met, can have payments that last for years. Short-term disability policies ordinarily provide benefits from anywhere between 60 days to a year or so. Many employers offer short-term disability coverage as a benefit of employment. The amount of the benefit is usually based upon the employee's earnings at the time of disability. It also usually declines over the term that benefits are paid; for example, it may pay 100% of lost income for the first month or so, and then slowly decline toward the end of the term. Short term disability plans can also be privately purchased from insurers. Like many other forms of insurance, these kinds of policies may be "medically underwritten", meaning that whether or not an applicant qualifies will depend upon health history. Likewise, the insurer will be interested in earnings history, because the purpose of the coverage is to replace income, not to be a money-making proposition for the insured. It is very important to ensure that any insurance that is purchased is issued from a licensed insurer (sometimes called an "authorized" insurer), and that the insurer is authorized to issue insurance in your state. This information can be obtained through the office of the state insurance regulator in the capitol. Be sure to find out from the agent/insurer the name of the entity that is financially responsible for the payment of claims, as it is that entity that must be licensed. A product name that sounds familiar is not sufficient and is not a guaranty.
It depends - on your short term disability elimination period. If you live in a state with mandated coverage, check with your state's department of labor. If you have a priv…ate policy, see what elimination period you selected. The elimination period can be as short as 0 days for accidents, and 7 days for sickness, or as long as 3 months or more.
You received short term disability from your work place for a car accident if you settle with the insurance company that is responsible do you have to pay back the short term disability check?
It depends on the STD contract, so whether or not they can do this can vary from contract to contract. The first step is to ask the STD insurance company to provide you wit…h the exact wording in their policy which states that their liability is reduced due to auto insurance benefits and/or settlements. Typically such provisions will exist, but almost always it will specify that the reduction only includes the portion of the auto insurance payments that are made for lost wages (or "wage loss benefits" as they are often called). Other monies (such as for the damage to your car, for medical bills, your own lawyer's fees or pain and suffering if applicable) typically should NOT affect your STD benefit, even if they are co-mingled and paid out in a single check. Not always, but often (especially in richer STD contracts), the STD policy will specify only that " No-Fault Wage Loss" (and/or "No-Fault Wage Loss Benefits required by a state or other jurisdiction") will reduce their benefit. These wordings provide a higher (narrower) standard than just merely considering any wage loss benefits, and is a difference worth paying attention to. Whether or not the payments are No-Fault Wage Loss benefits vs. just regular Wage Loss benefits is something probably only the auto insurance company can answer, as it can get very complicated: Some states require no-fault wage loss coverage, some make it optional with special consequences, and driving in a state other than where you live, driving a rental car, a company-owned car, or simply a car that you do not own could also affect exactly what sort of wage loss benefits you are entitled to and how they are characterized. If the disability claims analyst is good at their job, they will verify with the auto insurer what the payments actually represent before making their determination. Most of the time they are correct, and it is likely that you will indeed need to pay some or all of those monies back to the STD insurer. That being said, I have seen in a few rare cases where the STD carrier attempted to collect wage loss auto benefits based on assumptions without actually verifying the details, and ended up being wrong. For example, if the no-fault wage loss auto benefits were purchased voluntarily (not required by law) and the STD analyst doesn't even realize that option is possible, they may make certain assumptions about how it is treated just because they've never seen it any other way. Due to the wording in the STD contract, it is possible that such (voluntary) wage-loss benefits in fact could meet the STD contract's definition of other individual (non-group) STD insurance and therefore untouchable, even though it happened to be purchased through an auto carrier. So you need to be careful and verify it yourself with the auto insurer, STD policy in hand, before you will know for sure if its being handled correctly. Contacting your insurance broker and/or an attorney may also provide you with additional counsel and advice.
Stress and Anxiety are both difficult conditions to assess when claiming disability insurance benefits. This is because Stress and Anxiety can be difficult conditions to diagn…ose. Unlike many illnesses, these conditions can not easily be diagnosed using medical exams or tests. Instead much of the diagnosis is based on a patients report of symptoms. Nonetheless, Yes a claim can be made for stress and/or anxiety.
Usually not, unless you can prove your injury did not happen at work and having it listed as such was an error (made by someone other than you). I know being injured is the… worst, dealing with people who want to give their 2 cents worth about your medical care is the pits, but if you have to be injured there are worse things than WC. Not suggesting you (or anyone) should take advantage - just think you should know what you are entitled to. Because WC only pays for these things if you know they are supposed to. (Check out what the particulars are for the state you live in.) Assuming an injury occurred at/or was caused by - work + WC vs STD the benefits to WC : + WC payments do not have to be claimed on your taxes - (STD is taxed) + Receive WC and state benefits if you are taking a hit on take home pay - the amount you receive by WC subtracted from what you are entitled to on STD - STD makes up the difference. +Your ability to see a doctor is guaranteed: If you don't like the doctor WC sends you to, you have the right to a second opinion and after 30 days the right to see a doctor of your choice. +WC pays for many services that most standard insurances won't (like acupuncture - massage - psych care - without deductibles or arbitrary limits - hospital care 100%) +WC doesn't stop paying after x amount of time just because x amount of time passed. +WC pays pharmacy - including OTC - if your doc orders it. +WC pays for other services or equipment (durable medical) that STD won't cover. +WC pays gas mileage. +WC will retrain you if you are unable to return to U&C employment.
Sure. But Social Security eligibility requires that your disability be "permanent and total."
Can you collect short term disability and unemployment benefits if you are restricted by your limitations set by your physician and no work is available for you?
The criteria you set out would seem to qualify you. However, each state sets its own criteria for eligibility and, in most cases, you could not receive both short term disab…ility and unemployment simultaneously.
Can you get Unemployment Benefits in Kentucky if you come back to work after being on Long Term Disability and company filled your position and terminates you?
Because Kentucky looks at the base year (the first 4 of the last 5 completed calendar quarters) for qualifying, if your long term disability were before that you might not be …eligible. Check with the state's employment security office.
When collecting long term disability can your insurance company force you to have surgery if the precedence does not guarantee that you will return to work?
Force you? They may not be able to force you but you should get your policy out and see if your benefits depend on following your recommendations. This is a better question fo…r a lawyer to answer.
Can an employer fire you if you were on short term disability and under the doctors care and returned to work after doctor released you on the date indicated on the release?
Most employment in the US operates under an "at will" principle, meaning that an employer can fire you pretty much any time they want to, as long as they are prepared to prove… the firing was not discriminatory in nature. So, bottom line: Can they fire you? Yes, they can. Can you sue them for wrongful termination? Yes, you can. Will you win? That's what courts are for determining.
How can a disabled worker with a non-work-related injury in Arizona get compensated if he has not purchased his own short-term disability insurance?
If the non-work injury was in a car accident, auto insurance pays STD. Otherwise, if you didn't provide for your income security, you have none.
It depends on the reason you are not working. If it's for an injury at work, then worker's comp should cover your medical bills and a percentage of wages until you can return …to work. If it's due to a layout, yes you can receive benefits. It's quite simple to apply online in just about any state now. Hope that helps
Your question can be interpreted in two ways, so I'll answer them both: The first answer assumes you want to know how to apply for COVERAGE (as in, "How do I get a short te…rm disability insurance policy?"). My advice is to contact an independent insurance broker in your area specializing in life and health lines of coverage (of which disability insurance is a subset) and ask them for quotes and advice. The National Association of Health Underwriters has a "find an agent" feature that may help in this (in related links). The second answer assumes you want to know how to apply for BENEFITS (as in, "How do I file a short term disability claim with my existing disability insurance company?"). Most disability carriers make it very easy to file a claim on your policy. You should contact them to get the necessary paperwork, or if you went through a broker to buy your coverage you may want to talk to them instead. If you have coverage through your employer you should talk to your HR department or your supervisor on how to file a claim. Many group short term disability plans offer telephonic filing or online filing, which makes the process even easier.