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

• Maternity leave? sm - AJF
  • You get paid only if you have ST disability - me
  • maternity leave - cs
  • Years ago when I had my children, I was elligible for State Disability. - Was employee but not in MT field then.
  • Maternity Leave - Karen

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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.

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.

#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.

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?

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.

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.

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.

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?

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.  -

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. 

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! 

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. 

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.