Disability insurance long term : October 1, 2006 -- ABSTRACT Long-term care (LTC) costs and, in particular, those arising under an LTC insurance contract, are difficult to estimate. This is because of...

Disability insurance long term : April 22, 2008 -- Which contractual provisions have the largestimpact on the employee's likelihood of collecting long-term disability?What constitutes a disability in...

Disability insurance long term : May 1, 2005 -- A broken bone? An injury resulting from a car accident? A back problem? Any of these disabling conditions could keep you out of work, resulting in...

Disability insurance long term : January 1, 2001 -- Every baby boomer in the United States is at least 36 years old. Joints are making strange cracking noises. Eyes that could once handle the fine...

Disability insurance long term : December 14, 2007 -- Insurance that covers long-term care is not yet widely held in West Virginia. But with health care costs continually rising, more and more people in...

Disability insurance long term : December 14, 2007 -- Insurance that covers long-term care is not yet widely held in West Virginia. But with health care costs continually rising, more and more people in...

Disability insurance long term : October 6, 2005 -- MADISON, Wis. -- NavGate Technologies and its affiliate, CareQuest University, today launched CareOptionsOnLine(TM), a web-based program offering...

Disability insurance long term : April 10, 2008 -- ONTARIO, Calif., April 10 /PRNewswire/ -- Every day, we read about the sandwich generation, folks taking care of their parents while raising their...

Disability insurance long term : March 17, 2008 -- First Comprehensive Wellness and Disease Management Program for the Long-term Care Insurance Industry SCOTTSDALE, Ariz. -- Secured Independence,...

Disability insurance long term : April 28, 2008 -- Principal Financial Group Promotes Disability Insurance Awareness Month in May DES MOINES, Iowa -- If you become disabled and unable to work, how...

Disability insurance long term : I am six months into initial treatment for rhuematoid arthritis. I finally received long term disability, but now I am being reevaluated. The issue now is not whether I am able to perform my previous job, but whether I can perform any job. The insurance provider says they will attempt to find another job with my employer. My question is what if another job is not available, will I be disqualified for continuing to receive LTD payments. Does anyone have experience in this area? While I a

Disability insurance long term : To whom it may concern: I have a right to know who lied to the dfeh I, Damari Stratford filed a complaint with the DFEH, Ann Luekeman did the investigation. After the case was closed I requested a complete copy of all materials submitted to the DFEH at Ca. Dept. of Fair Employment and Housing, 111 N. Market Street, Suite 810, San Jose, Ca 95112. When I received the copies, the names of the employees and the attorney at Citibank were crossed out in black ink. I feel I have a right to know who

Disability insurance long term : I'm a store manager for a major retailer. I also am deeply unhappy with my current job. And, oh yeah, I'm pregnant. My current job is my only source of insurance and I know that I would not be able to afford the medical bills without it. I know that every state and every company will have a different policy, but I would like to get an average... How long after short-term disability leave/maternity leave does the average company expect an employee to...stay employed? How long do I have to 'pay

Disability insurance long term : I got fired because of my disability , I'm collecting short term disability right now but its due to end. since I got fired do I qualify for long term disability or should I apply for unemployment.also will the no fault insurance still pay my wages and should i apply for social security disability. I know I can't collect it all, what would be the best thing to do? I was fired because I was out over 1 year and they wouldn't let me come back light duty.I need surgery on my shoulder and it has be

Disability insurance long term : I am working as a financial representative for a top rated insurance company. We offer a range of products, but I mainly deal with life insurance, disability income, and long term care. My client base is solely built off of referrals and I am having problems getting enough names. I am looking for some good ways to meet more business people around Denver, and grow my business.

Disability insurance long term : that since I "can't" take my medication, I must be getting better. That is not what is happening -- at all. I can't take the meds due to sever reactions that sent me to the ER twice in one week, followed by a trip to the doctor. This lady can mess me up with my insurance, telling people I'm better since I can't take meds. If I can't take meds --- I'm worse off than people who can take meds. I'm on long term disability insurance THAT I PAID FOR... so don't smart off at me about abusing the

Disability insurance long term : When I worked for them I had a nervous breakdow due to work load and they have had me on long term disability since 2005, and they have also given me my medical insurance. Now they say they are going to terminate me and take away my medical insurance, I have finally gotten Medicare after fighting for 2 years but won, but I feel the company has the responsibility to also give me insurance and not terminate me as long as they say they will continue to give me my long term disability until I reac

Disability insurance long term : I am 34 weeks and pregnant and am applying for short term disability. I work for the state(have been there for 2.5 years past probation period) and they offer a plan that you pay monthly(which I have had since I started) and if you do need long/short term disability you are able to get 40% of your pay. Well I know you need enough vacation/sick to cover your insurance for the time you are out, but how long can it take until you get your first check and is it weekly or bi-weekly?

Disability insurance long term : I'm in CA and Disabled - Am I judgement proof for CC debt and my Credit Line ? I receive Social Security Disability (SSD) and Private Disability Insurance (LTD - Long Term Disability) from my old employer. I make less than $1,800 / mth. Can they pull money from my checking account where I direct deposit my SSD check ? My checking account is with the same creditor that my CC is with.

Disability insurance long term : my wife is about to go on permenant, long term disability. she is dealing with brain cancer and can not return to work. how does the gov. disability/social security/medicare benefits program apply to us? she has insurance where she works and their plan is really taking care of her, as well as her 200+ co-workers. but with her income being cut in half and her drawing a limited income, do we qualify for any programs listed or others? any web sites that may be helpful. thanks up front.

Disability insurance long term : The following is long and not necessary for those that already know feminists respect SAHMs. There was a conservative Congressional proposal to privatize social security, and the document stated that stay at home moms are "granted 50% extraâ?� in terms of spousal benefits. This outraged NOW, â??This attack on the spousal benefits under Social Security is a telling example of how little privatizers value the unpaid caregiving work that millions of women provide for this society,â?� said Kim Ga

Disability insurance long term : I am disabled. When I worked I bought long term disability. I received payments from them until I got social security. When I was awarded ss I had to pay them back a big sum of money. Now they are telling me since I get social security and my children do also based on my disability that they only have to pay me the minimum of $50 a month. Is this legal since this is private insurance that I bought? Should one thing have to do with the other? Thanks for the responses. I don't want my cake and

Disability insurance long term : I am looking for any recommendations for companies offering short and long term disability insurace and what kind of disability insurance I would need. I am 24 married with no kids at the moment. My job is very low-risk and does not offer disability.

Disability insurance long term : - With disability insurance providing your income, can you invest in an IRA account (i.e. does it count as earnings)? - Is there any way to invest in a 401k? Are you no longer eligible for your previous employer's 401k, or can you ever remain in that plan even if you are no longer working for that employer?

Disability insurance long term : My doctor says I need knee replacement surgery and I will be out of work at least 3-4 months in rehab. Is there any type of insurance I can get to cover my mortgage payments. I have insurance that covers my credit card payments but not insurance for mortgage. My job will pay me part of my salary while I am out, but it won't cover all my expenses. I have little to nothing in savings. If I can get this insurance how would I get a quote and how long would it need to be in effect before I can coll

Disability insurance long term : I have long term disability insurance with my current employer but it only covers 60% of income.....I need one that'll cover 100% of my income for the rest of my life if I'm disabled. Thanks in advance.

Disability insurance long term : I work for Progressive insurance company and they offer std and ltd automatically once employeed. They are trying to tell me that when my FMLA coverage runs out, they can fire me; from what I've found out, they cannot fire me until the day i'm released from my dr. back to work; however my dr. says i'll be out another month and i don't know if my std will last that long, so...does LTD normally just kick right in the day STD runs out? My HR dept is trying to screw me, so need some advice. I li

Disability insurance long term : I work for Progressive insurance company and they offer std and ltd automatically once employeed. They are trying to tell me that when my FMLA coverage runs out, they can fire me; from what I've found out, they cannot fire me until the day i'm released from my dr. back to work; however my dr. says i'll be out another month and i don't know if my std will last that long, so...does LTD normally just kick right in the day STD runs out? My HR dept is trying to screw me, so need some advice. I

Disability insurance long term : I am on short-term disability and may have to go on long-term. Though I do not know if that will be easy. After long-term runs out, I will be forced to get myself health insurance. A few people have recommended Humana so I will call them. Essentially, what I am trying to find out is: what do people do when they leave a position and need insurance? This will be the first time for me to be in such a scenario. I am currently going in to be considered for SSDI. If that is approved, will my si

Disability insurance long term : Do you get both or just one or the other? How is it decided which you'll get if the answer is only one of them?

Disability insurance long term : 1. Which of the following best defines health insurance? An annual contract between an insurance company and an individual A type of insurance whereby the insurer pays the medical costs of the insured A type of insurance that protects your personal property if you are unable to pay your bills A type of insurance that assists your loved ones in the event of your death 2. Which of the following illustrates the main difference between Medicare and Medicaid? Medicare helps to insure th

Disability insurance long term : I have recently become disabled and I have to wait 5 month before I start to receive disability benefits. Does any one know how much I will get? Does it have to do with how much I made before I became disabled? Also, I have long term disability insurance from work that pays 66 and 2/3 of my salary will this affect my Social Security benifits? Thank you for all your help

Disability insurance long term : I have to do this project and I need to know if this job provides health insurance and if it's included what and the benefits. Examples are doctor visits, hospital stays, emergencies, dental care, short/long term disability, co-payments, vision, prescriptions, and child coverage, if so to what age. I know this is a lot but I really need this information.

Disability insurance long term : I started doing my tax return and it says that I owe both federal and state money. When I was on long term disability most of last year, the insurance company did not take taxes out. Were they supposed to take the taxes out? Do I have to pay the money or is there something I can do to fix this? Thanks!

Disability insurance long term : My company paid 100% of the premium for short-term and long-term disability insurance. In 2006, I was sent a W-2 to report this income, since it is taxable. However, later that year the injury was accepted as a worker's compensation claim, which is nontaxable income. I thought I'd get an amended W-2 from the insurance company, but I did not. Should I file an amended 2006 tax return or is there a way to report this on my 2007 tax return? I do not know how to reply to the great answers, so

Disability insurance long term : been off work since April. FMLA...I paid in my regular employee share. They started billing me full cost for August on. I was able to pay for two months approx 3000 total. I have no income and they cancelled me in December retroactive to October 1st. I asked for more time or to pay when I got back to work... they said no and cancelled my policy. They also denied my short term disability. And my long term policy was rejected as my short term was denied (same company but I pay premiums fo

Disability insurance long term : There are under 50 employees and the company provides a very expensive private disability policy on its employees. There are approx. 6 workers who do not qualify due to their past medical history, weight, etc. They do not provide any other short or long-term disability programs. Is this discriminatory or legal? Are they required to provide some benefit for those who don't qualify for the fancy policy?

Disability insurance long term : 1. Which of the following personality characteristics are associated with people who are likely to exhibit violent behavior on the job? a. Neurotic b. Optimistic c. Extraverted d. Type A 2. Which of these suggestions is an effective way to deal with stress? a. Meditation b. Exercise c. Talking with others d. All of the given options 3. In most large facilities, who is responsible for reducing unsafe working conditions and reducing unsafe acts by employees? a. Chief executive officer b. Chief s

Disability insurance long term : Hello, I am a Michigan resident and I work at Applebee's corporation. I've broken my wrist and am going to need surgury and I will be out of work for at least three months. My work insurance covers only sickness and accident so my medical bills should be covered but the rest of my living expenses won't. Does anybody know where I can begin to find federal or state assistance in my time of need? What are my options? It is not a work related injury , also Applebee's may offer some long term disa

Disability insurance long term : How many of you had short term disability insurance when you went on maternity leave? Is it worth it? Is it expensive? Does the federal government offer it in their benefits? How long before you go on maternity leave do you need to enroll in it? Sorry I have so many questions. I just got engaged and don't plan on starting a family for another couple of years. I know a lot of people here who are pregnant (I think there's something in the water here) and was just wondering what people do

Disability insurance long term : I ask the question earlier about filing my taxes but what if your earned income is paid to you by a private insurance company and i bought a long term disability policy that pays me monthly and i had taxes taking out on it will i quilify for the earned income tax credit still

Disability insurance long term : What kind of questions are they going to pose me at the interview for the position of financial representative by Northwestern Mutual. I know that they sell life insurance, long-term care insurance, disability insurance, annuities, mutual funds, and employee benefit services.

Disability insurance long term : Hi, im wondering if anyone has had a long term disability policy and then THEY hire ALLSUP on their own to help with your social security disability cases. When you are approved and long term disability wants a chunk of your back pay do they give money to allsup?? have they been able to ''attach'' your back pay so they all get their cut before you even get your ssd back pay deposited or a check written out to you from SSD???? I got a letter from my LTD provider saying they want a release fille

Disability insurance long term : Hi, please no generic responses just for the points....has anyone ever or knows of anyone who has PERSONALLY dealt with the standard insurance for a long term disability policy and then gotten social security disability after filing?? im wondering what their policy is on your ssd back pay...do they really want it all, do they usually take a percentage or are they open to negotiations so that you can keep a chunk of your back pay?? again only answer if youve had any personal dealings with the

Disability insurance long term : I have long term disability insurance available from my company at my expense. I just need to know the step to take to get a stress disability.

Disability insurance long term : My mother was diagnosed with inoperable pancreatic cancer 2 months ago and given approx a year with chemo. Unfortunately, her liver couldn't handle the chemo, and she has been taken off her chemo. She had o