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Serving Over 20,000 US Medical Transcriptionists

Years ago when I had my children, I was elligible for State Disability.

Posted By: Was employee but not in MT field then. on 2006-03-06
In Reply to: Maternity leave? sm - AJF

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q. re short-term disability vs state disability

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.


There are state children's medical programs available.
She should look into it. That's one less stressor for her.
Internet. And I've never been more in love. Been together almost 9 years and have 3 children
also, he was already established and owned his own home when we met. He had been out of college for 2 years when a buddy suggested the internet. I was going through a divorce (he's 4 years older than me) and lived 5 states away from each other.
Some said I was insane, but now they envy our relationship and the life we've built together. God is good.
depends on state, I didn't for 9 years...sm
occupational with the city I live in and then the county.....florida is my state.....they didn't require it as long as you had no *traffic* - but the laws/rules changed over time.....
Get in touch with your State's LABOR BOARD. Years ago I got stiffed....(s/m)
out of one paycheck (that bounced), plus the employer had been lying to me for almost a year about my health insurance! (Was taking $$ out of my paycheck to pay for insurance, but instead kept it for herself.) I went to the Labor Board, paid a very nominal fee to file, and all I had to do was write down what happened, and that I wanted my money that I'd earned, plus what I'd paid for "insurance." Not only was I paid (fairly promptly, too!), but they went into that office and tore it apart, finding many more labor infractions. Business was shut down, and I believe she did some time in jail. Even if I hadn't gotten a time, that alone would've been worth the filing fee!
I do this job with young children around and neither my job nor children have suffered...
It can be done...
MT disability?
I have often wondered how CTS plays into a broader claim of disability. In my case, MT ince 1974, progressive back problems since 1990 (now with multiple sites of DJD, DDD and cervical/lumbar stenosis), clinical depression under treatment, high blood pressure and recently, CTS.

In combination, these conditions have made it difficult to sustain line count requirements over time (which I still could do before CTS). I am wondering what criteria they use for my "burden of proof" in a disability claim.


Going on disability. Not able to do

disability

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.


To SISTER ON DISABILITY

#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.


You get paid only if you have ST disability
and then it is only a fraction of your salary.  I'm not sure how they calculate pay when you are on production.  My DH's work will pay $150.00/week for ST disability.  It is better than nothing but you can't pay your bills on it. 
Government disability and doing MT
Does anyone here collect government disability and also work part time doing MT?  I have a severe immune disorder and was considering filing for permanent disability. Anyone know if you are allowed to work part time?
Disability insuran ce

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?


 


Insurance - disability
Does anyone have any ideas on disability insurance for the self-employed medical transcriptionist?  I am always afraid of needing surgery or having an accident or something and being out of work  and needing a replacement income insurance for a period of time, hopefully short-term.... Thanks
Disability/PPI rating for retraining

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.


If you have a short-term disability

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.


you are speaking of SS Disability, which is an entirely different program
it is NOT the SS benefits for retirement. Altogether differnt.
Wow! Just Disability or health insurance too? nm
x
Work for a company in a state that has no state income tax
I think there are 3 or 4 out there (Florida, Texas, and a few others.)  Then you really avoid the tax situation. 
You can usually purchase short-term disability from
your employer if they offer long-term disability. When it is offered, you usually choose the reimbursement rate, typically up to 70% of your pay.

Savings. LOL That's the way you'll make up the difference. Sadly, disability insurance (LT or ST) has never covered 100% of missing pay.
does anyone know anything about long-term disability insurance?(sm)
How long is considered "long term"?  If you get some sort of disability that takes you out of the work force for years, does long-term disability cover that?  TIA
I wish I could be on disability for something mental that is controlled with medication.

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.


From what I have heard about disability, the SSA always rejects the first time - sm
as standard procedure. I am sure in some circumstances they cannot as it is obvious the person needs it, but in your mom's case she probably (in their eyes) still work doing something. Get a lawyer who specializes in SS disability. They will make sure it goes through on try #2 providing you have the doctor records, etc. to prove your case. If she does not go to the doctor much you might have some trouble though. As for the house, I'd sue the guy, small claims court if need be, then you'd at least get back $5k and maybe you can get someone honest to fix it up. See if there are any services in your area that help disabled seniors, etc. in your area that maybe can help lessen the load on you. See if your mom can maybe start moving about more and maybe do her own shopping, it may take her a while but it will get her out and possibly help her feel better; find out from her doctor exactly what he/she thinks she is capable of physically and maybe she can help to start strengthening herself and in the long-term become more able to take care of herself without relying so heavily on you. I see no mention of your family (husband and son) and how they feel about all of this. Do they resent the time and money you put into your mom; do you get to see enough of your son and husband. Don't sacrifice your family for the sake of your mom; if you have nothing left at the end of the day for them, they cannot be feeling too happy about the situation eihter. As for the rest of your family, they just don't care and even if they do they see you taking care of everything so they don't feel the need (or want to) to do anything. Even if you stopped, I doubt they'd pick up the slack since only 1 of the 3 helps and that is under duress as it is. You need to take care of you first, then your family, then your mom.
Disability, Sickness, & Hospital Insurance

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 hubbie is disabled and on permanent disability...sm
and he absolutely cannot make any money other than his disability if you want the full benefits. I think you can work part-time and get part-time benefits, but you will have to check on that. My understanding was they deduct any amount of money you make from your benefits and you would get what was left. But, again, the best thing is to go to the agency or call them and make sure before you do anything, as the rules seem to change constantly, but for full benefits you cannot make any money under your name.
Aren't you people confusing SS with disability?

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 he is on disability for a mental illness, why do you even listen to him? He is nuts. Maybe if h
x
It already has. I have to work from home because of disability due to chronic disease.
My physicians and visiting nurses are extraordinarily caring individuals who fortunate have (more so than I had previously thought, apparently).

Also, I can understand venting about a situation you feel you have no control over. I assume you desired sympathy or empathy or just someone to say, "I know where you are coming from," but to post incoherently and then lash out at those that reply is only going to add to your frustrations and negative feelings.

I am sorry you feel as though your health care providers don't care if you did, but I am sure that is not the reality of the situation. If you had taken the time to provide context to your rant, then you might have received the type of replies you were looking for, whatever that may have been.

Best of luck to you.
AHDI (formerly AAMT) group disability insurance plan ... sm
I'm in the process of trying to find an affordable individual disability insurance plan. I was browsing through AHDI's website and found that they've made arrangements for members to participate in a group plan for this! The cost of membership to the organization might be worth it for me to take advantage of this.

Has anyone here participated in this plan? If so, what was your experience?

Thanks in advance.
Name a state and put every company in that state under suspicion.

Tell what the first letter of the company is and every company with that initial will be suspect.  I would imagine that everyone who works for that company has received an inquiry from department of labor, so they would all be aware of it. 


Why do we persist in setting up companies to be torn down when there is no reason for it.  If a company is suspect, then give the name of the company, don't give big hints that cover at least 5 companies, 4 of which may be the best companies to work for, but fall into the category of an alphabetical letter, etc. 


 


 


 


Contact your local BBB in your state and in their state if different from yours.
xx
Not mandatory, as you state it depends on your state - sm
or county. Where I am I do not need it; though if I was cutting grass or landscaping I would where I live, makes no sense to me as I am providing a service, but very happy I don't have to have one. We pay personal property tax here and I would have to list all my business related equipment and pay taxes on it every year I was in business. So until I am told otherwise by my county, I will not be getting a business license.
varies from state to state...nm
x
deluded are ye? state by state..sm

http://www.washingtonpost.com/wp-dyn/content/article/2006/05/15/AR2006051501201.html


http://www.votefraud.org/vote_fraud_articles_by_state.htm#VO


http://www.votefraud.org/


Some people just CHOOSE to live in DE NILE (DENIAL) and we all see you are ONE OF THOSE.


Some of us CHOOSE to go through life as a REALISTS! 


 


   


 


Things are different from state to state, but I think
you probably could, if you are actually "laid off."  You would have to get a letter from your surgeon regarding your temporary disability status and take to the unemployment office and to Medicaid....but you know how Medicaid works, 1.5 pennies over the income limit, you don't get it.  But, as I stated, laws differ from state to state, so you would have to inquire or go on their websites and see what they will approve and what they will not.
If not in your state, try filing in THEIR state. Then they
nm
Each state has different laws. Where I live, if I have clients in the same state I live in, yes I ne
have clients from another state, no I do not need a license. Every state is different. I checked with my attorney and the State Business offices.
Both of my children, now 23 and 24,
bought their own cars and neither of them had a new car. I don't think it hurt them, either. They both were proud of the fact that they did buy their own cars and I was proud of them, too.
Wow that's a lot! We have 4 children and
we probably will not spend that much on all 4 of them. Glad you can afford it.
May you and your children have the
Merriest Christmas ever!  As the Christmas carol sings "God is NOT dead nor doth He sleep."  I am so happy your children will have Santa Claus this Christmas, and that you feel loved!! That's what Christmas is all about. I thank you...  Merry Blessed Christmas to ALL!
I have 5 children and have had many a
I agree, something for myself would have been neat. My absolute favorite thing was when someone brought me something special, like something they made or had made for my baby. Those are really the things I remember when thinking back on my showers, and the things I still have today.
32/F, three children
x
And what did your children get?
x
I definitely think having children has something

Does she have other children who can help
relieve some of the care? Does her insurance pay for ANY nursing care? I know what you mean. We were all on shifts as well. Is there a GOOD home she could go to? Even one that isn't a nursing home per se, but adult foster care? My grandmother lived in one. It was very nice and had less than 10 residents and people with various types of needs lived there. My aunts and uncles decided to do this (it was self pay) because they figured if she lived with any one child, that the responsibility probably wouldn't end up being shared by all, and this way they were all responsible for her even though she lived separately from them. Is there a hospice/nursing agency that can offer free or cheap respite care? How about through their church? Even if they could get an evening or a few hours away together, that's a start. They need to preserve their marriage too.
think of your own children if you have any....sm
Would you want them to have to care for you?  All I want for my children is to be happy.  I would never want to put that burden on them and, believe me, it is a burden regardless of how you feel about your parents.  Caring for an ILL elderly parent can be a nightmare.  Caring for an elderly parent is totally different.  I've had to do both and, BTW, so did my parents.  My mother, when in her 50's, now 92, made me promise to never try to have her live with me.  I have done the same with my children.  I do everything I can to help her including bringing her to my home to care for her when she is ill or has had recovery from surgeries.  I don't think the "Waltons" is a realistic plan in this day and age.  If you want to destroy your marriage and stress your children, move your parents into your home. 
If you have children under a certain age...
...you can be excused for years from jury duty by submitting a copy of their birth certificates to the court.

Currently, I'm a single parent with 2 kids in elementary school. I have been excused from jury duty twice now; once when I lived in PA and both kids were just babies and again recently excused from serving or being called to serve here in NY for a few more years by submitting a copy of the birth certificate.

The courts will not force a primary caregiver with minor child(ren) to serve as long as you provide them a copy of the birth certificate.

I would think this also applies to anyone who is a sole caregiver of a chronically ill or elderly family member, but you would have to call your courthouse to find out for sure.
We are not children and by that I mean...

we don't have to go crying to the moderator whenever we feel someone is being mean.  I think MT30+'s biggest sin is she's just blunt.  Personally, I appreciate straight forward people.  I don't have time to pick through all the fat to get to the meat.  And, of course, I am one of the blunt people.


I think some need to simply grow up.  You can't spend your life kissing your perceived boo boos and tattling on the "bullies."  Momma always said the only way to get rid of a bully, is to stand your ground and take your lumps.  And don't hold a grudge.  Just move on. 


children and nitwits
You still don't get it. No matter how old they get, they are still your children but I no longer have the right to make their decisions for them. If your comprehension was good enough, you would have known that as they left my home and started their own lives, I had no further voice in what they did, but until that day, I did have a voice in what they did as far as consequences of bad decisions is concerned. If I am paying for the roof over your head and the food on the table, I do have a say. And being 18 does not make you an adult, nor does 30 or 80. When your child can make good sound decisions about their life and how their decisions impact on others, then you've done a good job. Your silly little cartoon characters in your messagee show that you do not have a command of the English language and I am done with this discussion because it is too complicated for you to understand. I think you probably had your nose and ears pierced too many times and too deeply.
Not everyone is here to "love" your children. SM

I dont expect day care to "love" my children.  Geez.  I expect them to care for them and watch them when I cannot be there. 


I do have to say, however that the day care my kids are in is a close-knit community.  The staff is very friendly and really get involved with each kid individually to some extent.  Everybody knows everybody, even though it is a fairly large day care.  There is a younger toddler room, an older toddler room, an intermediate room, and a pre-K room.  As well as a big room for before-school and after-school programs for the bigger kids. 


All of the kids in my children's classes are really close.  We all celebrate B-days together and even get invited to Christmas parties and all kinds of nice things.   They throw lots of events around the holidays.  They even have a mom's night out at the day care once a year.  It is like a little community.  They have lots of safety speakers coming in and educated the kids on what to do during an emergency.  I dont see why my kids would not benefit from being a part of something like this. 


It is a great thing to be a part of.  They treat you like family.  I do understand that not all day cares are the same.  I went on a lot of tours of local day cares and I picked this one because I could pick up on the vibe that this was not your oridinary day care.  They are just such great people.  I can honestly say that I love them all.  I love the friends that my kids made and I have grown to love their families and also the teachers.  They are all truly a wonderful bunch. 


So I don't care for my children because I
choose to work my job. Because I choose to be done with work at 5 and not have to work all night as my children play at my feet. Your absolutely right! That makes me a horrible mother. I mean wanting to give them the social graces, the ability to interact with other children and spend the evening with them without my computer in their face--what a bad mommy I am!