All About Non-Occupational Disability BenefitsIf you are considering applying for non-occupational disability benefits, read on to find out what benefits you may be eligible for, which of your family members may be able to benefit from the program as well along with lots of other need to know information that will help you along the way. What are non-occupational benefits? Non-occupational disability benefits are a form of financial aid that is given to those who become disabled, seriously injured or develop a debilitating illness in a way that is not related to their job. Those with mental disabilities or mental illnesses may also be eligible for this program. Are there any other requirements I may need to meet to be eligible? After you have been approved for disability benefits, you may be required to enroll in a rehabilitation program to promote healing and wellness. Will I receive any health benefits? If you are eligible for non-occupational disability benefits, you, your children and your spouse will receive free health insurance. The health plan you will receive will cover a dependent child up to the age of 19 years of age or a dependent child up to the age of 23 years of age who is a full time student. Even after your disability benefits are replaced by retirement benefits, you will still continue to receive your health benefits. Generally, if you are going to opt for other health programs that require a premium then you will have to do so when you are first deemed eligible for non-occupational benefits. Will my family receive benefits in the chance of my death? If you are enrolled in the disability benefits program when you pass away then, yes. Your family will continue to receive benefits. Your spouse will have the right to continue your benefits or your named beneficiaries will automatically be sent payment. Are my benefits taxable? Yes, these benefits are taxable upon receipt of payment. What if I disagree with the application decision? If you disagree with the decision reached on your application, you have the right to file an appeal. If you are going to file appeal, you need to do so as early as possible. This will ensure that there are not any more roadblocks in the eligibility process. If you decide to take your appeal to court, many attorneys in the Detroit area can help you begin receiving the benefits that you need. For more information on non-occupational benefits, visit your state government’s website online.
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The Specifics For Physicians - Why Own-Occupation Disability Insurance?
By Steven Crawford
If you are a physician, most likely an insurance agent has already recommended buying an individual disability insurance policy to you. If you do purchase a disability insurance policy, you have improved your financial situation by protecting your income. It's always better to own a policy than to not own one. However, there is a chance you did not select the most comprehensive disability insurance policy you could have. Think about it, with life insurance there is only one way to collect on a claim.
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Short-Term Disability Insurance For Individuals
By Michael Relvas
The number of companies offering Short-Term Disability insurance for individuals is very limited and not usually very well priced. If you are interested in obtaining a Short-Term Disability policy you should consider the options available by designing a Long-Term Disability policy to fill a short-term need. You could obtain more comprehensive coverage than available with Short-Term Disability and at a very attractive price.
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