Posted on March 18, 2010.
Group health insurance and disability: Is this the group health coverage to continue if I become disabled? In a typical policy, is it that the continued coverage for an employee who becomes disabled? If not, how can we insure against this event? Even if I have health coverage and the group (and individual) disability insurance, I fear that disability policies that replace income, and health insurance would be terminated if I left a job because of disability, leaving me with no health insurance. This could really be a problem if my disability was one that required significant medical treatment. Any thoughts?
Usually not - you can keep up to 18 months after you have been terminated by Cobra, but then you have to find something else to replace him.
Here http://wiz.sc/Ifp4G2 is an article I found on the health insurance information and advice so I hope it helps.
It depends on your company how long they will continue your medical coverage once you leave. Mine got covered for 90 days, then I had the choice to go with another insurance company or Cobra. I have Cobra for a while, but it is very expensive.
It also depends on your disability plan at work. Do you have a plan? If yes, I go out on STD (short term disability), then move towards LTD. Some companies pay you when you are away on STD / LTD or give you a percentage of what you normally do.
What can make the transition to SSDI easier. I have a low income, now (after asking 2 years ago SSDI) so I was eligible for Medicaid, which pays all medical prescriptions and w / no dues.
Good luck with your SSDI. And yet a little advice. Once you apply for SSDI, and you are turned down on the first request, you can work and make up to $ 900 MTH. If you exceed this amt. your application will be withdrawn. This may also help.
Not generally cover your health will not continue. You will Opita purchase the same insurance (COBRA), but you will be responsible for the premium in full and it covers you for up to 18 months. Most of our patients who are disabled qualify for Medicare coverage. You can verify this. You can contact your local Social Security office for information.
In fact, you asked several questions here.
Let's start by looking at disability insurance. You must first determine the type of disability coverage you have. Many employers have eliminated short-term disability because of the cost. You should have received a copy of the policy of the HR department of your company.
The "long-term disability is more of a norm now. In general, it begins after 90 calendar days of the absence of employment. Again, check with your human resources department. It is very important to keep documentation on hand. You will need once your application is filed. You will probably be given forms to fill in your doctor regarding the reason and expected duration of your absence. Copy all these documents before sending them. Stay on top of the dealin they give you. Keep your appointments and especially physicians follow medical advice.
Regarding whether your health insurance continues there are several options here. Every employer must have written policies and procedures. You must have access to a copy. More often than not, your employer continues to pay their share of premiums for medical care while you're still in a state paid. This usually includes a period where you leave to cover your lost time. Once you run off and enter a staus unpaid are likely to generally cover the entire premium. Please contact your human resources department. Their job is to help you in this matter.
If your "disability" will continue for more than a year, you must file a claim.
