You get paid only if you have ST 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.  -

I know the going rate in our area is 14 cents per line.  As MTs most companies here pay us 8 or 9 cents a line.  Now add in the Editor rate at 4 or 5 per line..you are paying OUT more than you can charge a line.  How would companies stay in biz?

Unless all work is sent by the company overseas at pennies per line, this would not pay for a company.

just curious how this works out

per keystroke, but that'll never happen.  I just think that these national companies are going to keep finding ways to cheat us.  I found a job working for a hospital as an employee, paid hourly plus incentive, and they let us expand everything!  Somebody's gonna have to kill me to make me give up this job.  I will never go back to the national's again.

I feel for you though.  I know that for us MTs those good jobs are few and far between and some have little choice but to work for the nationals.  I just happened to luck into the job I have now.  I just applied at the right time. 

Good luck to you whatever you decide.

sadly are two very different things.  Good luck on demanding more..because someone else will just come along and take it for what they offer and they know it. 

nm

You are doing the right thing asking what to do before flying off and ripping them a nasty letter with empty threats.  Do some research, check and double check that you did not sign a contract, get all your ducks in a row and the facts straight, then sit down and write them a very professional, calm letter outlining the facts.  Send it addressed to one of the doctors specifically -- as if it goes through an office manager it sometimes does not get to them -- and ask for it to be signed ONLY by the doctor and get a recepit that it was delivered.   Just outline what will be happening if you do not get your check within 7 to 10 days and follow through.  But make sure that the doctors know what is happening.  But you can contact your state Labor Board, Consumer Affairs or any state agency that will listen to you to get the facts.    Also the State Medical Association.   Be sure to mention to the doctor (s) that you have contacted these agencies and will be doing a follow up letter with them should you not get paid.  You can also file under the smalls claim court to get your money but that takes time.   But if you write a very professional letter, have the correct facts and they see that you do -- they will pay.  They don't want to fight.  But again try to get the letter to the attention of one of the doctors.

Good luck, let us know how you do. 

rate by companies that pay extra, because of the quality of my work.  I have known CMTs who were horrible MTs and I'm not sure how they got their CMT, or either they thought once they had it they were above proofing.   There are people who need CMT to make them feel some sort of self-worth, but I think it is a waste of time and money to pursue it.