---------------------- multipart/alternative attachment On Jan 19, 2006, at 2:56 PM, Wimblees@aol.com wrote: > As a standard, Social Security will pay benefits when you are not > able to perform any duties of any job after being totally disabled > after 6 months. The payments will continue as long as you are in > that condition. How much the payments are I don't know, but I > assume it is what senior citizens are getting when they retire. It usually takes an experienced lawyer a couple of applications to get you Social Security disability benefits. I have long forgotten how the SS disability benefits are calculated. I've seen some pretty lame (pun intended) injuries qualify for benefits, but it will take you a lawyer to help you get them. > The definition of disability also varies, from not being able to > perform your "normal" duties, to not being able to do anything in > your trained profession. My policy says my "normal" profession. In > other words, if I did loose my hearing, my policy would cover me. > I just found mine. It says (these are more or less the definitions I remember from college): Definition of Disability: You are disabled if you meet one of the following definitions during the period it applies: A. Own Occupation Definition of Disability; (You are disabled from your Own Occupation if, as a result of Physical Disease, Mental Disorder, Injury or Pregnancy, you are unable to perform with reasonable continuity the Material Duties of your Own Occupation) You may work in another occupation, while you meet the Own Occupation Definition of Disability. If you are disabled from your Own Occupation, there is no limit on your Work Earnings in another occupation. (although there may be a deductible income issue -- they basically don't want you to earn more on disability than before you were disabled) B. Any Occupation Definition of Disability; or (You are Disabled from Any Occupation if, as a result of Physical Disease, Mental Disorder, Injury or Pregnancy, you are unable to perform with reasonable continuity the Material Duties of any gainful occupation for which you are reasonably fitted by education, training and experience) C. Partial Disability Definition. (During the Any Occupation Period, you are Partially Disabled when you work in an occupation but, as a result of Physical Disease, Mental Disorder, Injury or Pregnancy, you are unable to earn more than the Any Occupation Income Level in that occupation and in all other occupations for which you are reasonably fitted under the Any Occupation Definition of Disability.) I left out the complicated stuff, and changed around the order as it appears in the policy to simplify the explanation but that's the general idea. There are issues like "deductible income" but I'm looking at the supplemental policy. I don't have the state disability policy in front of me. The benefit is usually some percentage of current income, depending on what you're paying for (you don't get many options with a group plan), and also varies depending on which definition of disability you meet, but remember, social security benefits are also available, although they may be "deductible income". You just have to look at each plan. The law requires that the language to be understandable by us regular joes who aren't lawyers, so you should be able to make heads or tails of it. Also, your agent, although he's not going to want to, should be able to supply you with a copy of a policy to be able to read before you purchase it, and I seem to recall that you are supposed to have the right to refuse for something like three days after you've received your individual policy as well. Man! been a while. Jeff ---------------------- multipart/alternative attachment An HTML attachment was scrubbed... URL: https://www.moypiano.com/ptg/caut.php/attachments/ba/aa/67/95/attachment.htm ---------------------- multipart/alternative attachment--
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