Information

Filing a disability claim

With filing a disability claim, here are things needed for you to get started.

You are required to provide written proof of disability, from a treatment provider or doctor for filing any claims. You are also required to provide any additional medical records requested, provided with the details of your current disability. The insurance company may also request that you are examined at their expense, as well as possibly requiring financial information from you. If you have a company benefits administrator, visit them for more details.

Family For Health offers many ways to submitting your claim based on your care plan.
– Online
– Mail
– Phone
– Fax options

Additional Disability Benefits

Social Security benefits could be available for qualified individuals, those experiencing a disability expected to last longer than 1 year. Addition to other requirements, these care plan disability benefits are not for “short term” conditions. Keep note of “Social Security’s disability plan” rules, these differ from other government as well as private care plans.

More information for Social Security’s disability benefits and eligibility. You can visit the Social Security Administration website.
www .ssa .gov

How much disability care do i need?

Having a disability care plan, replaces a minimum of 60 percent with your “after tax income”. This is generally a recommended care plan.

Estimating your benefit amounts needed if you are recently disabled. You must ask yourself “how much monthly funds needed to cover living costs”. Your household costs might include bills such as:
– Mortgage
– Car payments
– Groceries
– Child care

Consider these possible factors towards helping you come up with a proper amount of coverage.

When do disability care plans start?

Disability care plans begin after meeting an elimination period. This meaning after a defined period of time. Starting with the date recently disabled from work as well as number of days required to continue as disabled making your benefits start. Majority of long term disability care plans have elimination date between 90 days up to 180 days. However comparing most care plans, your employer chooses the disability care elimination time.

When choosing disability care plans, consider the time you could manage without work income. If you have a remarkable amount of savings, you could be able to choose a longer elimination period. Usually, the longer your elimination period, the lower premium of your disability care plan.

Am i considered disabled?

Definition of disability varies depending on an employer’s plan. Some disability care plans review you as disabled when unable to conduct job requirements. Other companies pay if unable to conduct any job position suitable for you based on company training, education as well as your experience. Other disability care plans demand you not to be gainfully employed while collecting disability benefits. Including that you are not able to obtain certain percentage of pre-disability care income due to injury or even sickness.

Some care plans will pay for your total disability benefits monthly, if losing part of your income due to a disability. Other care plans could include “rehabilitation provisioning” which requires you taking part in vocational rehabilitation programs. This is in order for you to continue receiving your disability benefits.

Keep in mind there are many care plans which have exclusions as well as possible limitations. Many of which may not fully cover assured disabilities or any “pre-existing” disability conditions. These benefits differ between companies. We recommend speaking with a disability care benefits administrator.