What are the conditions that will qualify as a disability?
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Written by
Chelsey Tucker
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Reviewed by
Daniel Walker
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UPDATED: Mar 19, 2020
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The conditions that will qualify as a disability can range from physical disability to mental disability. The condition must be severe enough to prevent you from working and you must not have earned more than a pre-set average monthly amount in the past year.
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Your condition must be on the Social Security list of disabling conditions for many insurers. This list is very extensive and includes diseases and injuries affecting different systems of the body. Another condition is also whether or not you can work in your previous type of job or any type of job.
Determining Disability
There are a variety of things that must be taken into consideration when determining whether or not a person is eligible for disability insurance. In fact, those charged with deciding whether or not a claim is valid will do a lot of research, including studying medical records, testing and more. There are a variety of typical questions that must be asked about the individual’s health. They include:
- Was this disability the result of something unpredictable? If you are unable to work because of a chronic illness you were suffering from prior to taking out coverage, you will not be eligible for coverage.
- Did an accident cause the disability? If so, did it occur while the employee was working? In the case of workplace disability claims, typically worker’s compensation takes care of such claims. If the accident was automobile related, car insurance may cover at least a portion of the disability benefits.
- Is the beneficiary partly disabled or completely disabled? Many policies do not pay disability benefits unless you are unable to do any type of work. However if you have an own-occ policy, you are eligible for benefits if you are unable to perform the tasks of your specific occupation.
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On The Job Injuries and Disability
Most businesses carry worker’s compensation insurance unless they are very small. In fact, it is required by each state that employers carry such coverage. However, the requirements concerning the size at which they must have coverage varies from state to state and even industry to industry.
If you are hurt on the job, worker’s compensation will essentially pay you disability benefits. This type of coverage exists to give workers some security because workplace injuries are a significant cause of disability. It alleviates the question of liability with the employer and the employee gets the benefit of regular income while he is disabled.
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Get Disability Insurance Coverage Now
With 18% of Americans being disabled and 90% of those disabilities come from non-work related illnesses and injuries, the need for disability insurance coverage is there. You can not rely on worker’s compensation in case of disability, because you are more likely to get hurt or ill while at home, in your car or in your free time.
Even SSDI is not a reliable backup plan.
This government program has some very stringent guidelines and only 39% of those who apply are actually approved.
Make sure you have your future taken care of by getting disability insurance in place now.
If you are concerned about the need for disability insurance coverage, don’t delay another minute, start shopping right away for that coverage.
One thing that can help as you search for the disability insurance policy that you need is the free online quote tool. Such tools search for coverage for you and present you with a variety of tailor-made price quotes in an easy to compare format.
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Prior to deciding which coverage to go with, you should check into the financial status and customer service record of the insurers you are choosing from. A disability insurance plan is hopefully a coverage that you will have for a long time before you need it.
Therefore you want the insurer to still be in business and able to pay out benefits for the period you need. Get the insurance rating assigned to the company by one of the independent insurance rating companies like A.M. Best or Moody’s.
This will tell you if they can be counted on to meet their future financial obligations.
To learn about how a company treats its customers check with the state department of insurance. You will learn about the complaint ratio and the types of complaints lodged against the insurer. You can find out even more by doing an online search for reviews and complaints about each specific insurance company.
Get started now comparing disability insurance quotes to find the best coverage possible. Enter your ZIP code into the FREE tool below!