Disability

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  CA State Disability Insurance

What if you can't work, because of a disability?  We will send you 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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 Other Sites to Learn more

About Disability Insurance.

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.

Other stories from Life-Life.org

Disability Can Happen.org

Other Coverage's to pay for various types of Disability

California  State Disability Coverage for Business Owners  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. Q & A

Worker's Compensation

Social Security

California & National Paid Family Leave Act 

Maternity Page

Claim problem? Art Fries L.A. Times Article on disputed claim, fraud, etc.

Federal Employees - Information for Disability Annuitant's

 Links

Law Help.org Disability
Discrimination, Mental Health

Free Advise.com Disability Insurance CA Insurance Code -  DISABILITY

Unum/Provident

ILWU 13 Health & Welfare Benefits Supplement Plan Description

Insurance Law - Disability Insurance Information - www.FreeAdvice.com

Disability Insurance Articles
 


 
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 disabilty policies cover both accident and sickness?
bulletWhat are ‘exclusions’ and ‘limitations’ and how do they affect my coverage?
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 disabilty 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?
bulletCan an insurance company refuse to sell me insurance for any reason it chooses?
bulletAre there any limitations on what an insurance company can charge for insurance?
bulletIf I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
bulletCan an insurance company cancel my policy for any reason it chooses?
bulletCan I cancel my policy at any time and will there be a penalty?
bulletIf I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
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
 


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

Cancellation
 


 
bulletCan an insurance company cancel my policy for any reason it chooses?
bulletCan I cancel my policy at any time and will there be a penalty?
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?

Disabilty insurance claims
 


 
bulletDisability Insurance: What You Can Do To Protect Your Interests
bulletIf I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
bulletWhat are my legal remedies if my insurance company or plan refuses to pay a claim for a benefit or service?
bulletLawsuit for ‘bad faith’
bulletAre there any options for resolving a dispute with my insurance company other than suing the company in court? Arbitration
bulletComplaint to department of insurance

Employer



 
bulletIs a business required to provide disability insurance coverage for its employees?
bulletI’m covered by the group plan of my employer. How do I determine what disability is covered and what the benefits are?
bulletMy employer-paid group disability coverage has shortcomings. Can an attorney help me with the various options for private disability insurance?
bulletI had disabilty coverage through my employer’s group medical health plan. I was dropped. Is that legal?
bulletMy company plan coordinates its monthly benefits with benefits received through social security disability. What does that mean?

Exclusions
 

 

Disability Request Worker's Comp. Medical Bankruptcy Family Leave

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.30Buy Full Text Buy Full Text

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DisabilityConcepts.com

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