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does anyone know anything about long-term disability insurance?(sm)

Posted By: wondering MT on 2005-08-11
In Reply to:

How long is considered "long term"? If you get some sort of disability that takes you out of the work force for years, does long-term disability cover that? TIA

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does anyone know anything about long-term disability insurance?(sm) - wondering MT
- one more thing (sm) - Lori
- It depends on what kind of (sm) - Lori

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q. re short-term disability vs state disability

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.

If you have a short-term disability

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.

You can usually purchase short-term disability from
your employer if they offer long-term disability. When it is offered, you usually choose the reimbursement rate, typically up to 70% of your pay.

Savings. LOL That's the way you'll make up the difference. Sadly, disability insurance (LT or ST) has never covered 100% of missing pay.

Insurance - disability
Does anyone have any ideas on disability insurance for the self-employed medical transcriptionist? I am always afraid of needing surgery or having an accident or something and being out of work and needing a replacement income insurance for a period of time, hopefully short-term.... Thanks

Wow! Just Disability or health insurance too? nm
x

Disability, Sickness, & Hospital Insurance

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?

AHDI (formerly AAMT) group disability insurance plan ... sm
I'm in the process of trying to find an affordable individual disability insurance plan. I was browsing through AHDI's website and found that they've made arrangements for members to participate in a group plan for this! The cost of membership to the organization might be worth it for me to take advantage of this.

Has anyone here participated in this plan? If so, what was your experience?

Thanks in advance.

There are some short-term insurance policies out there that cover you betweens job but do know that
they will not constitute as having "real" insurance thus the same has having had no insurance for those few months. I stupidly got a short-term policy for three months until my new insurance would kick in and it ended up not meaning anything to my new insurance. I had to wait a year for my preexisiting. This was Regence Blue Shield and others could be the same way. If nothing else, get a cheap high deductible plan ASAP to kick in right away if you dont want to take the Cobra.

It will be long-term, because you are SM
learning to change a whole lifetime of the way you look at situations, but it should be very helpful for you. Agree, sometimes rehashing the old stuff (if you have accepted that it was what it was and it's not still happening) can be nonproductive in a way and very traumatic. I have done all types of therapy except analysis (and analysis is an even longer process) and the cognitive therapy was the most helpful for me. Good luck.

Long-term BTS employee

I have worked for BTS for 2 years and enjoy it! It is difficult waiting for that first check, but you are being paid for the previous pay period, not the one you have just finished.

Overall, I think they are very considerate towards work load, time off, and I enjoy the people I work with on my accounts. People are always complaining on here about not having work, but we never seem to have a shortage.

There are no long-term contracts
I've rented from them several times, both paying off items and giving some items back when I got something to replace it. You can expect to pay two to three times the price (if not more) for an item then if you just went and bought the item outright which to many sounds outrageous, but some of us don't have the money to fork over for more expensive items. I had a good experience with them each time I rented from them whether I kept something for the whole time or I turned the item back in.

antibiotics long term

The dr. states the patient has been on chronic antibiotics ???pressure??? to ensure that the hip does not become infected. I know there is a term for this, but it is not coming to me. Help

Thanks!

I'm an IC for a long-term client; need advice pls SM

They have implemented a new ftp server that I cannot access through my work computer (Windows 98); however, I juggled around with newer operating systems (Windows 2000 and XP) and can access the ftp server. We are supposed to send completed files to this ftp server (which is a great idea and one we should have been doing all along).

My problem - I have been in nearly weekly contact with this MTSO about not being able to access the ftp site with my work computer. They told me to disable my firewall (which I am not about to do) and frankly the reason they haven't corrected my situation is because I am the only MT who is having this access problem (I am not - I talk to a couple other MTs with this MTSO and they are having the same exact problem). My Internet Explorer is the most current version (I have a cable modem) so that wasn't the problem either (another of their suggestions).

Today I get an e-mail from the office manager of the MTSO. They're going to start docking my paycheck (did I mention I am an IC?) if I don't start using this ftp site. What do I do? I am not making THAT much money that I can go out and spend $500 for a new work computer just to access this ftp. It really fries me that I have e-mailed, phoned, etc. and nothing is happening...it's just "my fault." So any suggestions? Great way to start the weekend, I tell ya!

I love TransHealth. There are many, many long term MTs...sm
with the company who are also very happy. Benefits are great. Good platform. It's acute care work, with ESLs, but that's the name of the game today.

Long-term skilled unit?
ss

long and short term fixes
Keep ants from coming back by washing the area they were invading with ammonia to kill the scent they leave as a trail.

White flour (the kind you bake with) put over an ant hill (thick coat)or on the floor where they are invading, etc. will make the ants move to another place, but does not kill them, but is fast for getting rid of a big colony in your back yard.

Green Light is a commercial product that will kill the ants like Tarro does, but is not as fast as making them move somewhere else.

If you need short-term long distance...
while searching for a new long distance plan, you can try onesuite.com.

You are too young to be worried about long term, but
xx

Will DQS work with dial-up (short-term). How long
nm

This lady is well know in the MT community and is a long term MT. I understand

your skepticism, but that is not the case with this gal. She has been straightforward from the very beginning and I have practically her entire background. I would ask that we leave skepticism out of the picture and try to help this family out.

Thank you,

Sheri

I hate the term *transcriptionIST* - too long and feminine
:/

I guess it depends on if it was a long-term affair or a one-nighter sm
Probably would try to make it work because I love him and want my daughter to have her daddy around.

MT disability?
I have often wondered how CTS plays into a broader claim of disability. In my case, MT ince 1974, progressive back problems since 1990 (now with multiple sites of DJD, DDD and cervical/lumbar stenosis), clinical depression under treatment, high blood pressure and recently, CTS.

In combination, these conditions have made it difficult to sustain line count requirements over time (which I still could do before CTS). I am wondering what criteria they use for my "burden of proof" in a disability claim.

Going on disability. Not able to do

disability

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.

I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+

To SISTER ON DISABILITY

#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.

You get paid only if you have ST disability
and then it is only a fraction of your salary. I'm not sure how they calculate pay when you are on production. My DH's work will pay $150.00/week for ST disability. It is better than nothing but you can't pay your bills on it.

Government disability and doing MT
Does anyone here collect government disability and also work part time doing MT? I have a severe immune disorder and was considering filing for permanent disability. Anyone know if you are allowed to work part time?

Disability insuran ce

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?

Disability/PPI rating for retraining

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.

you are speaking of SS Disability, which is an entirely different program
it is NOT the SS benefits for retirement. Altogether differnt.

I wish I could be on disability for something mental that is controlled with medication.

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.

From what I have heard about disability, the SSA always rejects the first time - sm
as standard procedure. I am sure in some circumstances they cannot as it is obvious the person needs it, but in your mom's case she probably (in their eyes) still work doing something. Get a lawyer who specializes in SS disability. They will make sure it goes through on try #2 providing you have the doctor records, etc. to prove your case. If she does not go to the doctor much you might have some trouble though. As for the house, I'd sue the guy, small claims court if need be, then you'd at least get back $5k and maybe you can get someone honest to fix it up. See if there are any services in your area that help disabled seniors, etc. in your area that maybe can help lessen the load on you. See if your mom can maybe start moving about more and maybe do her own shopping, it may take her a while but it will get her out and possibly help her feel better; find out from her doctor exactly what he/she thinks she is capable of physically and maybe she can help to start strengthening herself and in the long-term become more able to take care of herself without relying so heavily on you. I see no mention of your family (husband and son) and how they feel about all of this. Do they resent the time and money you put into your mom; do you get to see enough of your son and husband. Don't sacrifice your family for the sake of your mom; if you have nothing left at the end of the day for them, they cannot be feeling too happy about the situation eihter. As for the rest of your family, they just don't care and even if they do they see you taking care of everything so they don't feel the need (or want to) to do anything. Even if you stopped, I doubt they'd pick up the slack since only 1 of the 3 helps and that is under duress as it is. You need to take care of you first, then your family, then your mom.

My hubbie is disabled and on permanent disability...sm
and he absolutely cannot make any money other than his disability if you want the full benefits. I think you can work part-time and get part-time benefits, but you will have to check on that. My understanding was they deduct any amount of money you make from your benefits and you would get what was left. But, again, the best thing is to go to the agency or call them and make sure before you do anything, as the rules seem to change constantly, but for full benefits you cannot make any money under your name.

Aren't you people confusing SS with disability?

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. -

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

If he is on disability for a mental illness, why do you even listen to him? He is nuts. Maybe if h
x

It already has. I have to work from home because of disability due to chronic disease.
My physicians and visiting nurses are extraordinarily caring individuals who fortunate have (more so than I had previously thought, apparently).

Also, I can understand venting about a situation you feel you have no control over. I assume you desired sympathy or empathy or just someone to say, "I know where you are coming from," but to post incoherently and then lash out at those that reply is only going to add to your frustrations and negative feelings.

I am sorry you feel as though your health care providers don't care if you did, but I am sure that is not the reality of the situation. If you had taken the time to provide context to your rant, then you might have received the type of replies you were looking for, whatever that may have been.

Best of luck to you.

ur a nut - they use that term on SNL and....nm

programs for adults.........been watching SNL since 1975!!!! You do the math.

Gaydar....gaydar...gaydar!! It's all around us today!!! Key West to San Francisco.....and we all live somewhere in between. *rofl* Just because YOU think it's a juvenile term....doesn't mean we are all sheep and think like YOU do.

Here's a term for you to proofread:
Look that one up!

LOL

I see what you mean. I think the term "contract"
is what is being used wrong and I didn't clarify it well either in my post.

I doubt the OP signed a contract for the amount of pay. She probably signed a contract discussing engagement, duties, legal status, hours devoted to service, etc. In the actual MT contract, under Fee For Services, it lists that "For services rendered under this Agreement, Employee shall be entitled to payment as set forth on Exhibit A. The Company may modify such pay rate from time to time."

As well, every so-called "contract" I have ever had with MQ made the declaration that "...is a voluntary program that I may withdraw from at any time...I also understand that MQ may change or discontinue this at any time...".

The attorneys for MQ are not going to let them put out a contract that binds them to never changing your pay rate.

Ortho term for PIP fx. sm
Gotta be significant. Listen again. :)

(Sometimes we can try TOO hard, ya know? :))

hence the term sodomy
x

Is the term you are looking for troll?
LOL

I'm rather fond of that term!

ass-hat

214 up, 11 down

One whose head is so far up their rear end it could pass for a hat; used to describe a person who is stubborn, cruel, or otherwise unpleasant to be around.

Leave 'em alone, asshat!

by Iceburg124 Dec 22, 2004 email it

ass-hat

72 up, 44 down

1)one who retains ass-like qualities or pratices ass-hatery

2)a device used to compress or hold extreme amounts of feces in the caranium

see @55 H47

"You ass-hat put that staple-gun down!"

by DonkeyThunder Feb 22, 2003 email it

ass-hat

4 thumbs up

A general term for someone who carries out actions with such stupidity that they might as well wear their ass as a hat.

Pete begins looking for his sunglasses, unknowing to the fact that they are on his head. He asks Ed where his glasses are. Ed takes them off his head saying, "You are such a f*cking ass-hat."

knowledge of med term a plus
knowledge of medical terminology is such a plus in the medical field. try applying to a hospital as a unit clerk or a receptionist in a doc office. it is good for the mind to get out there and see people again. maybe you will realize how much you have missed.

latin term
Thanks all. I'll defer to my higher-ups and see what they want. At least now I can validate it. S

medical term

Does anyone know what it is called "to feel with the hand"? Is there a medical term for that phrase? Thanks!

Med Term Question
Is carcinoma in situ hyphenated? Ex. carcinoma-in-situ or carcinoma in-situ. Any and all questions greatly appreciated.

Gal Friday was a term used in the 1950s
to describe a female office assistant who can perform a lot of tasks. It's a takeoff on Friday from Robinson Crusoe, and it's also a popular name for secretarial service businesses.