Health insurance is an essential part of protection for all people who may become disabled. It is essential for disabled people to have health insurance, as they will need it in order to receive care and treatment from healthcare professionals.
It is important to have good health coverage to be able cover your costs, including rent or mortgage payments as well as car loans, food and medical bills. Universal health coverage could improve the quality-of-life of people with disabilities and their families.
Disability Benefits
If you're a disabled person, you might be eligible for government disability benefits. Social Security Disability Insurance is one of them, as are Supplemental Security Insurance and Medicaid.
The disability benefits you get may vary, depending on your state. The disability program that you qualify for will depend on your state.
Medicare and SSI provide disability benefits to low-income people, but do not cover medical expenses. There are also private disability, life and long term insurance programs.
You may be eligible for these benefits based on your tax history and work experience. You can apply for these benefits online or in person.
A mental disability is the most common, which includes conditions like depression, bipolar disorders, schizophrenia and Autism. Physical disabilities, like arthritis or back injuries are also very common.
If you don't have long-term insurance, you can purchase this separately from a medical insurance company. These policies may be expensive, yet they are essential if for some reason you cannot work.
Get Long-Term Disability Coverage
Disability insurance is increasingly offered by employers, often as part of larger employee benefits packages. LIMRA, an organization that tracks health benefits at work, reported that 41 percent offer disability insurance. Some employers cover the cost of such plans for their workers.
These long-term-disability plans pay out a percentage of your wages, usually 50-70%. These plans usually have an "elimination phase," which means that you need to wait until you are injured or ill to receive benefits.
It can be a very important benefit to workers who earn less and do not have other disability insurance. The benefit can also extend to younger workers, who could lose their job because of a disabling condition.
SUNY Disability Long-Term (LTD).
All professional, UUP and MC University of New York employees are covered by LTD insurance at no charge. The University of New York offers its employees the opportunity to purchase employee-paid LTD plans that cover up to 60 percent their pre-disability earning, with a maximum salary of $16,667 each month.
You can sign up for the LTD plan directly with The Standard, or through your SUNY human resources office. You'll be required to submit a short form and proof of insurance, such as an exam.