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Jan 24, 2014 09:10PM
I will give a general answer and ask other to chime in. I will caution that this is my best guess and not the definitive answer.
Ask your HR person for a copy of your benefits booklet. If you feel comfortable with the HR person and that person is competent, you might discuss this with them.
If possible, it is probably best to get on your company's short-term disabilty or long term disability plan--because you'd get a larger benefit.. Generally with STD/LTD you are getting a good percentage of your normal salary. Your SSDI benefit is probably not going to be huge. SSDI has a compassionate allowance and approval could be expedited.
In terms of LTD and STD, here's how one plan explains it:
Under the terms of your disability income insurance policy, you'll
have to wait for a certain period of time after you become disabled
before you can begin receiving benefits. Some policies (typically
short-term policies) even offer two waiting periods--a shorter one for
accidents, a longer one for sickness. Waiting periods under short-term
policies generally range from 0 to 14 days, depending on the terms of
the policy. Waiting periods under long-term policies are longer, ranging
from 30 to 720 days, although a 90-day waiting period is most common.
If you suffer a disability, you'll receive benefits until you recover
or reach a certain maximum. By definition, short-term disability
policies may pay benefits for up to two years, although many policies
pay benefits for only three months, six months, or one year. But
long-term disability policies pay benefits for a far longer period.
If on the STD/LTD the insurance company will work to get you on SSDI after a certain peroid.
I'm sure there are people here who can offer a clearer response/the benefit of their own experience.
On a related note, depending on your life insurance policy and needs, the "Accelerated Death Benefit" might be an option. A life insurance policy ordinarily pays benefits to a beneficiary after a policy owner dies. Those benefits are accelerated if they are paid directly to a chronically or terminally ill policy owner before
he or she dies. Check with your insurance agent or company to see if
your policy includes or offers the option. Group policies for term or
permanent life insurance may also provide accelerated benefits; check
with your benefits administrator. (Often it pays to contact the company directly, some administrators don't know about this clause.)
7/6/2009, IDC, 3cm, Stage IV, Grade 3, mets, ER+/PR+, HER2-