Coverage disability insurance long term

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Comments to date: 8. Page 1 of 1.

rstar Location unknown	10:59am on Saturday, July 26th, 2008
IS There A legal Way To Protect Your Assests Against Lawsuits & Judgements? I friend of mine had a stroke. His insurance was payed a limited amount and his personal and business assests were virtually wiped out. I want to protect myself from a s... read more »
InLoveCh Location unknown	8:46pm on Thursday, March 20th, 2008
How do I go about getting on short-term disability benefits so I can get seek help for my depression? I have those benefits in my company, but want to know the right steps. I would ask HR, but I learned long ago that HR is not always your friend. So... read more »
maxxy Location unknown	12:02pm on Friday, January 4th, 2008
What is considered a good benefit & compensation package? I'm curious as to what is generally considered a good, better or the best benefit plans in different companies. Thanks. Best answer: I can only speak for the United States, since... read more »
Debra Location unknown	7:36pm on Monday, March 19th, 2007
I love to book travel,what is the best way to get certified to be a travel agent? I love to travel myself,plus I found that AirTran is great airline,I want to be an independant travel agent working with airlines,cruises,vacations at WDW in Orlando. ... read more »
** Location unknown	3:43pm on Sunday, March 11th, 2007
What type of benifits does a teacher get? i need to know this for a school assignment...soo please help me out!like vacation,heath and life insurance. Best answer: Teachers typically get the following benefits: - Medical, Dental, Vision Benefit... read more »
Braden Location unknown	5:40pm on Saturday, February 24th, 2007
What does this denial from an insurance company mean? I am currently looking for an insurance plan that will cover me - I have OCD and recently received a denial that stated "Legislation in your state does not allow us to place long-term rider... read more »
Koshe Location unknown	10:50pm on Wednesday, November 1st, 2006
How does Work Disability Work? HR said if I go on Disability both short and long term, then I will get 60% of my total pay, including bonuses, etc.. Example. If I make 50K a year, and I get 5K bonus, they will base the 60% benefits on 55K. They al... read more »
nassrin Location unknown	12:47pm on Thursday, June 8th, 2006
employment oppotunities(loan officer)at city national bank of california? I am looking for a loan officer position related to real estate at the loan center of city national bank of california. Best answer: As if now City national bank of califor... read more »

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Resolved Question: Why is Obama ignoring the fact that the greatest health care concern facing America really is? (Wed, 24 Feb 2010 23:59:41 GMT)

Why is Obama ignoring the fact that the greatest health care concern facing America really is the fact that untold millions of people need or will be needing long term care which at the moment costs upward of $ 12,000 per month per person & health care insurance + medicare coverage only allow for the first 90 days of this long term care ? After health care insurance + Medicare ( which is for those on disability as well as for seniors ) long term care benefits expire after the first 90

Resolved Question: What kind of insurance(s) should I purchase? (Thu, 10 Dec 2009 22:28:03 GMT)

I know I need the following: *Auto and Homeowner's Insurance *Life Insurance (20 year level term insurance equal to about 10 times my income) *Long Term Disability Insurance (coverage should equal from 50 to 70% of my income) *Health Insurance (look into HSA and have prescription coverage, etc.) *Dental Insurance *Long Term Care Insurance (for my father who is over 60 years old ... I would for my mother but she passed away 8 years ago) My father and I were a victim of ID theft, and Life

Voting Question: Why should long term disability benefits be cut due to receiving SSD benefits? (Fri, 09 Oct 2009 21:04:47 GMT)

I paid for long-term disability insurance on my job for at least 4 years and when I became disabled my long term benefit went from 1560 monthly to 326 methyl. I paid for this coverage preparing for the future, how can Cigna just decide what I should receive. This information was not given to employees in the initial sign up for the LTD coverage. I paid for the insurance the same as social security was deducted each pay period.

Resolved Question: I have a question about Metlife short/long term disability ?? Answer please !? (Mon, 21 Sep 2009 00:25:08 GMT)

I was forced to take metlife's short term/long term disability through my employer. I was charged over 8000.00 ( eight thousand, not a mistype ) in 113 days. I was then laid off and recieved the benefits for one month ( 30 days ) I was injured on the job on the 27th day of coverage. I received workers compensation for over 6 months. I forgot that I had the short term, long term disability plan that I was forced to take. Can I still file a claim with metlife on the insurance plan ? Can you draw

Resolved Question: layoff while on disability? (Wed, 09 Sep 2009 23:18:39 GMT)

My California employer provides short- and long-term disability insurance. I am currently 3 months into short-term and expect to go on long-term early 2010. Today I received a WARN notice that I will be terminated in 60 days. Is my employer allowed to terminate me while I am on disablilty? I have an amount deducted from my paychecks to pay for long term disability insurance. Long-term coverage starts 180 days after the onset.

Resolved Question: Do you know your health insurance situation? (Mon, 31 Aug 2009 04:00:21 GMT)

A friend of mine was diagnosed with late-stage cancer. She was going to need long-term treatment. She learned that after 90 days away from her job she'd be placed on long-term disability (fortunately for her she had purchased that option). If she becomes unable to make her COBRA payments, she will not have health care coverage. Too sick to work for 3 months might lose your insurance. Do you know for sure how your particular situation would work? If this happened to you, you sure would be

Voting Question: Question about Short Term Disability & Maternity Leave? (Wed, 05 Aug 2009 15:58:27 GMT)

So, I work for a small company (5 employees) and they do not currently offer short term disability. I am interested in getting it, as my hubby and I plan on getting pregnant within the next few months. I just raised the question at our company meeting this morning and I was told to send the owner an email to look into it. His email is a black hole of nothingness so I don't expect to get anything done that way. So I have started filling the whole "Send me a quote" things on the website to h

Resolved Question: I have a legal question about maternity leave / employee benefits...please help!? (Mon, 03 Aug 2009 13:50:11 GMT)

I’m going to ask this on 2 forums – legal and pregnancy, since I think both groups will probably have good answers. I have worked full time at the same job in Missouri for over 3 years, and I am due with my first child in December. My husband and I have done a lot of thinking, planning, saving and downsizing and have realized that I will be able to stay at home once the baby is born. However, I carry the insurance through my job, and I won’t be able to get on my husband’s until after the

Resolved Question: I have a legal questions about Maternity Leave / Benefits...please help!? (Mon, 03 Aug 2009 13:48:28 GMT)

Resolved Question: Unum is telling my Mother that she owes them backpay? LONG Question, 10 points for BA!? (Tue, 21 Jul 2009 04:23:05 GMT)

My Mother had Long Term Disability coverage from her employer (that she paid a premium for, every paycheck for years) managed by Unum. In January of 08, she developed Addisons disease that was so severe she couldn't work. Later in 08, around July when she was medicated enough to function - she realized that she should apply for benefits from Unum. They paid her 60% of her pay on a Short Term Disability claim in one lump sum for the amount she would have earned from the onset of her disabili

Resolved Question: What is the best way to shop for long term disability insurance policy as an individual? (Sat, 27 Jun 2009 23:31:32 GMT)

My company only offers short term disability (up to 90 days per calendar year). I'd like to get a long term coverage policy on my own, but am not sure of the best way to go about doing this. Does anyone have any tips, or any suggestions on places to get it from?

Resolved Question: Consumer Math Help Plzzz? (Sun, 31 May 2009 18:56:51 GMT)

1. What type of reports do Equifax, TransUnion, and Experian produce?(1 point) income studies credit reports crime rate statistics bankruptcy filings 2. How long does a negative notation on your credit report last? (1 point) one year ten years seven years forever 3. When buying or selling a used car, what’s the best resource on finding an accurate price? (1 point) Cheryl Red Book Kelley Blue Book Paul Pink Book Newspaper Advertisements 4. If you drive more than 15,000 miles each year,

Resolved Question: please pleaseee help with Consumer Math B Final!! I need this grade!! please!!! part 1? (Fri, 29 May 2009 16:29:01 GMT)

1. What type of reports do Equifax, TransUnion, and Experian produce? (1 point) income studies credit reports crime rate statistics bankruptcy filings 2. How long does a negative notation on your credit report last? (1 point) one year ten years seven years forever 3. When buying or selling a used car, what’s the best resource on finding an accurate price? (1 point) Cheryl Red Book Kelley Blue Book Paul Pink Book Newspaper Advertisements 4. If you drive more than 15,000 miles each

Resolved Question: Just lost disability benefits, but am cycling into mania, not depression? (Thu, 21 May 2009 02:14:21 GMT)

I just found out my long term disability insurance coverage was cancelled, after 14 years of being severely disabled for bipolar. I have had mixed moods & been very suicidal for many years, in and out of the hospital 14 times or so, and even had electroshock last year. They based this denial on a medical record note about one meeting with my doc where I was "improved", even though in a telephone conversation with their doctor, my psychiatrist said there was no way I could handle a job. She's

Resolved Question: Employer term life cancelled upon termination, does Erisa apply? (Mon, 15 Dec 2008 23:07:51 GMT)

I am the HR manager for a small company, around 50 employees. The company supplies a $20,000 term life policy and offers voluntary employee term life. I had an employee who left our company. I sent out his Cobra information, and Information detailing his rights to his 401K plan. All employees receive a booklet, along with their certificate, for each of the coverages they have. Exp. Term life, Voluntary term life, Short term Disability, and Voluntary long term disability. It states in the

Resolved Question: How much do you pay monthly for your benefits plan through your workplace? (Thu, 23 Oct 2008 19:17:28 GMT)

I am just deciding whether to sign up for mine. But I don't totally understand the details. I would really appreciate if you could tell me who you work for, and what your plan is like (briefly). For example, is it Long Term Disability, Life insurance, %80 co pay on drugs and vision care, or %100 coverage. Also please tell me how much you pay for it each month. Thanks so much I should also add that I am in Canada, so although I appreciate answers from Americans, it probably doesn't apply t

Resolved Question: We will be taking a financial management course and I am wondering what your specific questions would be. Why? (Sun, 07 Sep 2008 13:54:20 GMT)

Here are the six key topics but what would be your top 3-5 specific questions? Why? Cash Management Making the most of your income Reducing your debt Taking control of your credit Assessing your current situation Traditional savings vehicles The impact of inflation How much cash? Risk Management Reducing financial risk Protecting your property and assets Are you properly insured? Types of medical coverage Homeowners and auto insurance Disability income and long-term-care insurance

Resolved Question: Keeping insurance during a high risk pregnancy? (Thu, 07 Aug 2008 15:11:44 GMT)

I just found out I'm pregnant again. My youngest son will be a year old on the 29th. While pregnant with him I dealt with high blood pressure which has not stopped. I am still on medication. I have already called the specialist I was seeing with the last pregnancy. But I really doubt I will be able to continue working as long as I did before. How can I keep my insurance coverage for at least the duration of the pregnancy if I have to stop working? Can I get short term disability if the doctor

Resolved Question: Can you tell me if there is any Linxus hotel in Canada or London? (Sat, 21 Jun 2008 04:08:14 GMT)

Please find the mail I received for job confirmation in the below hotel, Hello Mon, Your mail is noted. We shall prepare and obtain an LMO(Labour Market Opinion) in your favour.Please note that for those who obtain the permit and are fully engaged by us, the following are benefits you will be entitled to: 1) Relocation allowances 2) Retirement plan 3) Tuition reimbursement 4) Medical, dental and life insurance coverage 5) Short-term and long-term disability 6) Flexible spending accou

Resolved Question: Can I get short term disability insurance to pay my mortgage if I have to have knee replacement surgery? (Fri, 11 Apr 2008 06:04:11 GMT)

My doctor says I need knee replacement surgery and I will be out of work at least 3-4 months in rehab. Is there any type of insurance I can get to cover my mortgage payments. I have insurance that covers my credit card payments but not insurance for mortgage. My job will pay me part of my salary while I am out, but it won't cover all my expenses. I have little to nothing in savings. If I can get this insurance how would I get a quote and how long would it need to be in effect before I can coll

Resolved Question: does long term disability kick in automatically once short term disab. runs out?? (Mon, 31 Mar 2008 19:02:56 GMT)

I work for Progressive insurance company and they offer std and ltd automatically once employeed. They are trying to tell me that when my FMLA coverage runs out, they can fire me; from what I've found out, they cannot fire me until the day i'm released from my dr. back to work; however my dr. says i'll be out another month and i don't know if my std will last that long, so...does LTD normally just kick right in the day STD runs out? My HR dept is trying to screw me, so need some advice. I li

Resolved Question: I need to know if Long term disability kicks in automatically once Short term disability runs out?? (Mon, 31 Mar 2008 19:01:12 GMT)

Resolved Question: Idk anythng about Personal Finance Health Insurance & Financial Planning.. pls helpp=]? (Sat, 15 Mar 2008 00:05:07 GMT)

1. Which of the following best defines health insurance? An annual contract between an insurance company and an individual A type of insurance whereby the insurer pays the medical costs of the insured A type of insurance that protects your personal property if you are unable to pay your bills A type of insurance that assists your loved ones in the event of your death 2. Which of the following illustrates the main difference between Medicare and Medicaid? Medicare helps to insure th

Resolved Question: This is for Physiatrists only.? (Tue, 19 Feb 2008 23:30:44 GMT)

I have to do this project and I need to know if this job provides health insurance and if it's included what and the benefits. Examples are doctor visits, hospital stays, emergencies, dental care, short/long term disability, co-payments, vision, prescriptions, and child coverage, if so to what age. I know this is a lot but I really need this information.

Resolved Question: What do I say in this Memo? (Tue, 06 Nov 2007 19:53:30 GMT)

I am the benefits manager for a national furniture retail chain, The Home Centre, headquartered in Richmond, British Columbia, Canada. Most of the full-time employees who work for the chain pay into an employee benefits plan. This plan care, prescription drug coverage, and othe benefits. One of the most expensive benefits employees pay for is long-term disability insurance. Recently, your insurance provider, Cansafe, has informed you that due to the high numberof recent long-term disability cl

Resolved Question: Should I max out on my long term disability insurance or is LTD insurance a scam? (Wed, 17 Oct 2007 15:24:54 GMT)

As far as I can tell LTD will not come close to paying out it's maximum promises because they "offset" any other sources of income!!! I am paying big time monthly payments for supposedly $3000 a month (assuming I get injured off duty), but after offsetting it appears LTD will only pay me $1300 a month. So why should I max out on my LTD insurance instead of paying for just $1300 worth? Maxing out costs $90 a month and paying for $1300 coverage will only cost $30 a month. Is my figuring and thin

Resolved Question: Short & Long Term Disability Insurance? (Wed, 03 Oct 2007 04:20:43 GMT)

If someone is a not able to qualify for STD or LTD insurance. Are there any other options?. My friend has MS. She was just diagnosed. What can she do? Is there any options or insurance for her to purchase? She is self-employed. So, it's not like she's got group coverage. She doesn't want to have to loose everything to get on Medicaid to deal with her health issues.

Resolved Question: During open enrollment, std (short term disability) was not shown as an option...? (Tue, 18 Sep 2007 23:04:05 GMT)

During annual open enrollment, I recieved an employee open enrollment kit, which consisted of 3 pages outlining the various options of coverage. Of those were medical, dental, and vison of course and supplemental benefits, which included accident, critical illness, legal, pet, and identity theft. I showed no options of short or long term disability, and now that I inquire about them, my HR rep is telling me it is too late, and that it was listed inside the enrollment kit. Well, clearly it i

Resolved Question: I reappled for long term & short term insurance at work and once again was denied. Is this LEGAL? (Tue, 24 Jul 2007 22:05:45 GMT)

A few days ago, I received my letter denying me long term & short term insurance coverage. The letter stated, "As you know, the insurance you are applying for is medically evaluated and certain health standards must be met to be eligible for enrollment. Another review has been made of the insurability applications you completed. Based on your condition of insulin dependant diabetes diagnosed 1989, it has been determined that our original decision to deny Short and Long Term Disability insur

Resolved Question: short-term disability income insurance, question about premiuim? (Mon, 04 Jun 2007 14:21:39 GMT)

I pay for my short-term through work which covers me for 6 months in the event of a disability but could get additional months coverage to compliment my long-term policy which kicks in after 6 months. Does the premium you pay for a Short-Term group plan cost more if you choose a plan when applying for coverage with a longer duration of coverage, since the insurance company would be taking a greater financial risk having to pay you for additional months. Say you got the plan with with 12 m

Resolved Question: Husband with no future plan? (Thu, 31 May 2007 15:44:23 GMT)

My husband who is 56 and an attorney, had no retirement plan, no disability plan (solo practice), no life insurance, no long term care, no savings, and his home business is so disorganized it is frightening. He also can never seem to get his business off the ground and wont advertise or do anything to promote it. I finally made him a website and he is getting some clients but very few. I work for the state and make good money and have retirement for myself, disability, and am getting a long te

Resolved Question: Husband with no future plan? (Thu, 31 May 2007 15:43:21 GMT)

Resolved Question: In NY, If one does not have health insurance and is in an accident, can he get coverage? (Thu, 15 Mar 2007 01:54:58 GMT)

No health insurance and there's an accident and now many medical bills, not long term and no permanent disabilities, but something that may accumulate to thousands of dollars in medical bills, is there any way that you can get (free) coverage through the Medicaid program or some other program?

Resolved Question: Does anyone have information on Ontario government medical programs for long term disability coverages? (Tue, 28 Nov 2006 21:07:59 GMT)

I am a disabled amputed that has his private insurance running out at the first of the year and would like any information on Ontario goverment programs that would assist me with prescriptions, dental and eyeglass coverages.

Resolved Question: Is it wise to get additional disability coverage? (Sat, 14 Oct 2006 00:50:33 GMT)

I just signed up for additional (long-term) disablity insurance b/c I know my employer only doles out 60% of my base pay if I become disabled. Is this a smart move for a single person with no family close by? How much a month is reasonable to spend?

Resolved Question: I am on long term disability. I am experiencing problems getting health insurance. Any ideas?? (Fri, 16 Jun 2006 00:18:51 GMT)

I cannot get medicaid because I make too much money. I cannot draw medicare for two years. My major problem is prescription coverage. At this point I don't care about hospital coverage. I have COPD so I have a lot of medications that I have to take to stay alive. Any help is greatly appreciated. AARP turned me down because I am on disability. I am 60 years old.

Resolved Question: I will be receiving long term disability from the company I work for. I need prescription drug coverage? (Mon, 20 Mar 2006 04:55:35 GMT)

Do you know what insurance company might handle this type of insurance? I cannot afford the $425.00 per month for cobra.

Resolved Question: I will be on long term disability from the company I work for. I have a pre existing disease. I will need? (Thu, 09 Mar 2006 05:52:12 GMT)

health insurance and prescription coverage. Anyone have any good suggestions? I am offered Cobra at $425.00 per month. I can not afford that. Any suggestions will be appreciated.....

Coverage disability insurance long term

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