DISABILITY INSURANCE.....Who Has Been On Disability, and How Do You Sign Up For It?

I am going to have surgery in a couple of weeks, and will not be able to work for about a 2 months. Is disability insurance a part of your health insurance?? If it is not work related, and I will not be getting worker's comp, will I still be able to get some kind of income while out of work? I've never had to be on disability before, and don't know anything about getting it.

If you do not have AFLAC or some similar insurance, you do not get short term disability from the Feds (social security).

Many times people who buy the AFLAC type insurance dont get the disability insurance.. only cancer,optical,dental and similar such that their employers dont offer for free or for dependents.

You MIGHT want to see if you can collect "unemployment" insurance, as you will be out of work for a bit...

To get SSI, you will have to be labeled PERMANENTLY disabled.

Disability is seperate from health insurance. There are two kinds - long term, and short term.

If you live in California, there's a mandatory short term disability. If you're not in CA, and your employer doesn't give you disability coverage, and you don't buy a policy yourself, you're likely looking at your savings account to pay bills while you're out of work.

talk to your HR department at work

Most employers offer both long and short term disability insurance for a few dollars a week. You probably do have coverage if you work for a company that offers medical insurance.
Contact your company's human resources department.

In general, disability insurance can be split into two
types: private insurance (from a private or group insurance company), and government insurance (social insurance provided through the governments).
Short-term coverage pays a weekly benefit, usually after the first day of an accident or the eighth day of an illness, for a period of 13 or 26 weeks. Long-term coverage pays a onthly benefit that begins after the short-term period expires. The benefits are usually paid until age 65.Once you become disabled and apply for benefits, you have to wait for a certain amount of time after the onset of your disability before you receive benefits. If you are applying for benefits under a group or private insurance policy, this amount of time (known as the elimination period) ranges from 30 to 365 days, although the most common period is 90 days. Group insurance policies through your employer will generally have a waiting period of no more than 8 days for short-term policies that pay benefits for up to six months, and 90 days for long-term policies that pay benefits up to age 65.
The Social Security Administration (SSA) administers two programs that pay disability benefits. The Social Security Disability Insurance (SSDI) program pays benefits to qualified individuals who are under age 65, regardless of their income. The Supplemental Security Income (SSI) program pays benefits to qualified individuals with limited income. Because the definition of disability that the SSA uses
is strict, it's hard to qualify for Social Security disability benefits. To receive benefits as an adult, you must have a physical or mental impairment that has lasted or is expected to last for at least 12 months or is expected to result in your death. But if you should apply for benefits, you should apply at a Social Security office as soon as you become disabled, and it appears that the disability will continue. That's because there's a five-month waiting period before you'll get your first check. For information on Social Security disability benefits, look at publications available on the SSA website, or call the SSA at (800) 772-1213. For private insurance, you will have to contact a couple of insurance companies or speak with your HR dept at work.

Disability is through the New York State Department of Health. Go to http://www.health.state.ny.us/nysdoh/prevent/main.htm. Disability and Worker's Compensation are two different things. Comp is for work related injuries, disability is for non-work related items that keep you from working. If you need any further information, feel free to email me privately.

Hugs!

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