Insurance - disability

• Insurance - disability - Judy

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Warning to everyone if you have separate health disability and or sickness policies bought through insurance companies.  Please read your policies carefully and check with your insurance company BEFORE you need to submit any claims and especially find out how long it takes for the money to be sent to you.

Our disability insurance will pay a maximum of $900 a month. No problem even though it's only 1/3 of what he earns but it's better than nothing.  NO WHERE in the policy does it state we need to send tax returns in for the last year....yet yesterday received a letter that we must do that...plus they DO NOT PAY the first 30 days of disability. 

My husband was disabled from the beginning of June until 2 weeks ago, and really shouldn't be back to work yet, but it was necessary. The disability policy will pay a whole month, not 2. Over the years, I paid over $7,000 to this company for this coverage for a lousy $900? So now that we waited over a month for a check, we get this letter, and now it will be another month until he receives anything...again. And, to make matters worse, they do NOT pay the full amount if you have other coverage.  I just don't need to wait 3 months for one lousy sentence they could have put in their policy in the very beginning.

I called them and of course got a less-than-perfect English customer service rep (of course!)and told her I wanted to talk to someone higher up after I asked why for some of these requirements and she gave me the same canned answers as in the beginning of the conversation.  Do you think I'll get the call back? I doubt it. I will be calling again today.

Hubby was right. Insurance is a rip-off. You better believe I will be dropping quite a few policies after this is all over and may take a health savings plan instead if we survive this go-round. They just get you coming and going. Is there any company you can count on being above board, safe and reliable these days?

my short-term disability insurance coverage option says it pays when there is no state disability plan.  How does one find out if the state she resides in has such a plan? 

Insurances seem like such a racket.  Seems they should not be allowed to take your $ if they are not required to pay-out in the event of a disability.

Thanks for any help.

I have a few of the conditions above plus something much worse, but even with stagnating or falling MT wages, it's still more money than a disability check would be - that would not even be enough for the rent.

#1.  How did these people even know about her return to college?  I would have her check with the financial aid office of the colllege to see IF they notified anyone in order to get grants for her, as in state grants, Americans with Disability Act, etc.  Someone had to tell these people and if the college is selling names to marketers, then they should be called on the carpet by the atty gen.

#2.  My biggest concern is that these people now have access to her checking account and if she has her SSD check deposited monthly, whose to stop them from deducting all they want?

Very scary and I would make sure this is looked into immediately.  Hoping for the best of this situation.

Does anybody have any reccomen dations on disability insurance for short term in the event you have to have some surgery or accident or something.  My husband has health insurance coverage but this won't replace by income if I am sick or disable for a time period. Any suggestions?

Possibly with bona fide proof of this having been your livelihood, maybe you could check out a retraining program for people with disabilities, in our state it's called Voc Rehab, these programs are state funded.  They may also offer you some assistance for some treatment or surgery.  They actually insist in many cases that while they're paying for retraining that do get treatment and help for the disability to bring you up to a functional capacity.  These programs are there to rehab you and get you back to working in a capacity that serves you. You could also try a local unemployment offices for possibly getting retraining help.  If you can't use a mouse and type you can't hardly think it's going to get better.  Better to get retrained when you can't work in your chosen field.   You could get retrained say in coding if you wanted to stay within this field.  Maybe even consider SSI for a disability rating to get some income while being retrained.   Sometimes it's really okay to crash and ask for help.  You brought up a little bit of reality today.  Best to you.

policy (from your company or if you happen to have one on yourself) you should be covered.  If not, you are probably out of luck as far as disability goes.

I'm not sure what type of disability you're asking about.  If you mean long-term disability you'd have to have a policy in place for that also and I think it kicks in 6 months after your disability date.

If you meant Soc Security disability, I can safely say you wouldn't be covered.  You have to be permanently disabled for that.

I'm just sorry I'm paying for people to stay home and not work while my husband and I have to work. It's bad enough that this man doesn't help you around the house, but he's sucking off the government (us taxpayers) while we support him. He can't do ANYTHING? Whatever...

Man, what a country.

I was under the impression that there was no limit on income when your retire on SS.  But, there is a limit if you are on SS disability.  And I believe that amount is around $900.  However, if you are on disability, they also count how many hours you work.   If you are making $900 or less, but working more than part-time hours (something like more than 16-20 hours), that could still disqualify you for disability.  So, I'm confused on this too.   But back to the SS retirement discussion, I thought back in the Clinton Administration, they passed legislation that made it more profitable for retirees to work once they started receiving their SS retirement.  I was glad to hear this as many retirees want to work and they shouldn't be penalized.  After all, the income taxe and SS taxe and Medicare tax goes into the big government kitty, so working retirees benefit everyone.  I'm a believer in keeping retirees busy and bringing in income if they so wish. Well, Doxie, I am on your side.  You asked a simple question and why some are beating up on you is puzzling to me.  You asked a legitimate question. But if you really need to keep it at $900 or less, just divide your line rate into $900, take that answer and divide by four, and that will be the amount of lines you want to stay under per week.  -

If you don't have insurance (dental, vision, prescription, chiropractic, and some locations medical) and don't have a lot to spend on insurance, ask me what I signed up for if interested.

There's a lot of information to tell and I don't want to ramble on if no one's interested.

Talk to ya later,

Andrea - Medical Transcripionist (Nashville, TN)

when the MT is paying for it also?  Does that not count for anything?

I need to find out if Errrors and Omissions insurance is needed for a contracted medical transcriptionist?

Please let me know if you carry it and how I can obtain it?

Thanks...

Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07.  Please go to the web site http://www.wpbf.com/index.html.  In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated?  Please go on line and vote NO.  Send this email to everyone you know.  We want hundreds of votes.

Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt.  You can find their email addresses on MyFlorida.com.  It is very important that they add this to their agenda on 6/12/07 for their special session.

Thanks for your help. 

Yes, unfortunately I do know what happens!  My husband has no insurance, but usually gets care through the VA.  In April, he had an emergency, ended up with a pacemaker, a gazillion tests, doctors, two hospitals, ambulance, etc.  Over $59,500.00 out of pocket expenses.  If the VA does not pay (it is with their review board), we will be paying until we die.  Some are taking as little as $25.00 a month, others are waiting for VA and then may reduce the charges somewhat.  It is very scary to be without insurance.  Try to get something for major hospital stays, surgeries, etc.  Also, short term and long term disability are good.  If you have any type of chronic condition, forget it.  I have diabetes and hypertension both - cannot get coverage anywhere - I have tried several times, so I can be flexible/part time.  Good Luck and God Bless You.

I bought a policy from State Farm.  It cost me $257 for the year.  I really have never heard of being able to cover it from home owner's policy, not unless it is for a small amount.  My policy consists of $250,000.

I would call SF and ask them about it.

Good Luck!!!

Are you a contractor for the hospital?  First, you need to make sure you know what limits they are requiring.  If they are requiring E&O ins., then they should have something in writing about the limits.  This is expensive insurance.  I used to be a CSR for an insurance agency. 

It's not something that can be obtained through your homeowner's insurance.  Homeowner's insurance is occurance-based general liability (and property) insurance, whereas E&O insurance is claims-made liability.  Specifically it covers you if you get sued because of an error or an omission that you do that causes harm to someone. 

It surprises me that the hospital is requiring it, though.  The doctors have to sign off on the reports that you type, thereby removing the liability from you and placing it on themselves.

Does anyone have any information on health insurance for ICs? I am a new MT and have only been working for three months, and unfortunately the company that I work for does not offer benefits.  If anyone has any information I would really appreciate it.

Oh! By the way I know about Blue Cross Blue Shield, and will not consider going through them. They are way too expensive and they do not cover any pre-existing conditions.