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What if you can't work, because of a disability? 

Upon application and approval you may qualify for  up to 1/2 of your regular paycheck.   That should come close to being equal to your current income, as you don't have the expenses of going to work.  The benefits are usually Income Tax free and of course, the Insurance Company wants to encourage you to go back to work, so they don't want you to make too much by not working

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The top five chronic causes of workplace disability include: lower back disorders, depression, coronary heart disease, arthritis and pulmonary diseases. Source Met Life
Did you know that  1/2 of all bankruptcies involve medical issues 
 

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Barry Shore (No relation)
Barry Shore, a 55-year-old real estate executive, was enjoying a normal life when a rare neurological disorder struck suddenly, causing him to lose all movement in his body. Throughout his ordeal, money is one thing Barry and his family haven’t worried about thanks to smart insurance planning. Disability insurance payments have replaced more than half of Barry’s income. And long-term care insurance has provided more than enough to pay for in-home care as well as physical, occupational and water therapy.
Barry Shore Disability
 

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California  State Disability Coverage for Business Owners or call 916-654-6288  Q & A  

Calif. State Disability Coverage (SDI) is a partial wage-replacement insurance plan for California workers.
The SDI program is State-mandated, and funded through employee payroll deductions. SDI provides affordable,
short-term benefits to eligible workers who suffer a loss of wages when they are unable to work due to
a NON WORK-RELATED illness or injury, or a medically disabling condition from pregnancy or childbirth.

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bulletGlossary of Key Disability Insurance Terms
bulletImpact of Other Benefits on Your Group Disability Income Insurance Benefit
bulletSubmitting a Disability Insurance Claim
bulletDisability Claims Reviewer’s Investigation
bulletReasons Why Your Disability Income Insurance Claim May Be Denied
bulletLawsuits Involving Individual Disability Income Insurance Policy Claims
bulletHow Much is My Claim for Individual Disability Insurance Worth in a Lawsuit?
bulletThe Life, Disability and Health Insurance Agent

Unum Provident
 

General Disability Insurance Questions
 

bulletWhat is disability insurance?
bulletDo disability policies cover both accident and sickness?
bulletI’m covered by the group plan of my employer. How do I determine what disability is covered and what the benefits are?
bulletMy company plan coordinates its monthly benefits with benefits received through social security disability. What does that mean?
bulletIs a business required to provide disability insurance coverage for its employees?
bulletI had disability coverage through my employer’s group medical health plan. I was dropped. Is that legal?
bulletMy employer-paid group disability coverage has shortcomings. Can an attorney help me with the various options for private disability insurance?
bulletWhat types of disability insurance are there?
bulletHow is ‘disability’ defined?
bulletI’m not glowing with health. When am I considered disabled or ill?
bulletSuppose the nearly illegible ‘fine print’ in my policy is unclear and ambiguous?
bulletThere are a number of customizing features--some confusing, some expensive--that can be added to my personal coverage. Besides my insurance agent, can an attorney help sort fact from ploy?
bulletI am a small business owner. How can I protect myself against loss of income if I become disabled or fall ill?
bulletIf I miss a disability premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
bulletWhat do I do if my insurer refuses to pay my claim or its reimbursement is too small?
bulletWhat are my legal remedies if my insurance company or plan refuses to pay a claim for a benefit or service?
bulletCan I cancel my disability insurance without penalty?
bulletWhat about state disability programs?
bulletWhat about social security disability benefits?
bulletSocial security denied disability benefits. What’s my next step?
bulletIs disability income subject to income tax?

Business owner's protection
 

Disability Quotes

bulletI am a small business owner. How can I protect myself against loss of income if I become disabled or fall ill?

Cancellation
 

bulletIf I miss a disability premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?

Disability insurance claims
 

Medical Bankruptcy Family Leave
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THE NEW DEAL; The Safety Net She Believed In Was Pulled Away When She Fell; Debra Potter made a
good living selling disability coverage. But like many working Americans, she learned the hard way that federal
 law now favors insurers.; [HOME EDITION]

Peter G. Gosselin. Los Angeles Times. Los Angeles, Calif.: Aug 21, 2005. pg. A.1 Buy Full Text Buy Full Text

THE NEW DEAL; Approaching the Economic Edge; The weakening of the disability insurance system
is part of a broad shift of financial risk from government and business to individual workers.; [HOME EDITION]
Peter G. Gosselin
.
 Los Angeles Times. Los Angeles, Calif.: Aug 21, 2005. pg. A.30
Buy Full Text Buy Full Text

 

106.  (a) Disability insurance includes insurance 
appertaining to injury, disablement  
or death resulting to the insured from accidents, and appertaining to 
disablements resulting to the insured from sickness
   (b) In statutes that become effective on or after January 1, 2002, the term 
"health insurance" for purposes of this code shall mean an
individual or group disability insurance policy that provides coverage for hospital, medical,
 or surgical benefits. 
 The term "health insurance" shall not include any of the following kinds of insurance:
   (1) Accidental death and accidental death and dismemberment.
   (2) Disability insurance, including hospital indemnity, accident only,
and specified disease insurance 
that pays benefits on a fixed benefit, cash payment only basis.
   (3) Credit disability, as defined in subdivision (2) of Section 779.2.
   (4) Coverage issued as a supplement to liability insurance.
   (5) Disability income, as defined in subdivision (i) of Section 799.01.
   (6) Insurance under which benefits are payable with or without regard to fault and 
that is statutorily required to be contained in
any liability insurance policy or equivalent self-insurance.
   (7) Insurance arising out of a workers' compensation or similar
law.
   (8) Long-term care.
 
 

 

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