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is an Insurance article by an independent author and jml
Insurance takes no responsibility for its accuracy or content
Disability
Coverage Information
By Robert
G. Lawrence
In
federal law, disability is an impairment, either physical
or mental, that substantially inhibits a person in a major
way. As such, a disabled person is not necessarily born that
way. Something may have happened to hinder him from performing
normal activities. The Benefits Plan also takes this into
consideration. In the Article II, Section 2.1 (1) definition,
disability is an inability of a person to perform substantially
all of the material duties of a person’s regular work that
would have afforded a reasonable amount of income due to any
medically determinable impairment, which can be expected to
result in the demise of the person or which may last or is
expected to last for not less than a year. Any such person
is eligible for a Disability Coverage or Disability Insurance.
There
are two kinds of disability coverage – the short-term and
the long-term.
Any
physical damage, illness, or pregnancy resulting in total
disability for less or exactly 180 days falls under Short-term
disability insurance. Coverage starts on the first day of
disability in the case of an accident, and after the seventh
day of a disability in the case of an illness or pregnancy.
Benefits are not paid for the days you are not under the supervision
of any physician, and a disability exceeding 180 days will
not be given any more coverage. Benefits are not payable while
you are qualified for your workers’ compensation benefit.
Short-term
coverage may be purchased for monthly benefit amounts ranging
from $300 to $5000, any amount within one-third of your gross
monthly salary. The cost of insurance is established on the
amount of your chosen monthly benefit. Employees may increase
coverage any time, or even purchase a new one, by simply showing
a clean bill of health.
Any
physical damage, illness, or pregnancy resulting in total
disability past 180 days falls under Long-term disability
insurance. Income is provided, and the coverage starts after
the 180th day of a total disability due to pregnancy, illness
or physical damage, and is billed until your regular age of
retirement determined by the date of your birth. The cost
of long-term disability coverage is based on the amount of
your chosen monthly benefit. Monthly benefit amounts also
range from $300 to $5000 for long-term disability coverage
purchase.
Still,
there is more to filing a claim for disability benefits, either
short-term or long-term. Filing for disability coverage requires
time and effort. Get the necessary claim forms, depending
on the type of coverage you want. After that, answer clearly
and honestly. The form has several parts that will require
the participation of people you know – the Employer Portion,
the Physician Portion, and you, the Claimant.
The
employer portion simply needs basic information about your
employment – date of hire, salary, etc. The physician portion
is the doctor’s objective professional input and opinion on
your disability. The final portion is the claimant portion.
Simply list complete details about you.
After
completing the process, gather all completed portions of the
mail form and have them photocopied before mailing them direct
to the insurance company. Continue follow up a week or two
later to make sure your application has been received and
are being reviewed.
Robert
co-founded Insurance4USA.com, an insurance
quote shopping service, in 1999. He has been a licensed
insurance agent in New York State since 1990.
Article
Source: http://EzineArticles.com/?expert=Robert_G._Lawrence
The
information supplied on this page is by a third party and
jml Property Services do not take any responsibility to its
accuracy ©jmlpropertyservices 11/06
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