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In federal law, disability is an impairment, either physical or mental, that substantially inhibits a person in a major way. As such, a disabled person is not necessarily born that way. Something may have happened to hinder him from performing normal activities. The Benefits Plan also takes this into consideration. In the Article II, Section 2.1 (1) definition, disability is an inability of a person to perform substantially all of the material duties of a person?s regular work that would have afforded a reasonable amount of income due to any medically determinable impairment, which can be expected to result in the demise of the person or which may last or is expected to last for not less than a year. Any such person is eligible for a Disability Coverage or Disability Insurance.

There are two kinds of disability coverage ? the short-term and the long-term.

Any physical damage, illness, or pregnancy resulting in total disability for less or exactly 180 days falls under Short-term disability insurance. Coverage starts on the first day of disability in the case of an accident, and after the seventh day of a disability in the case of an illness or pregnancy. Benefits are not paid for the days you are not under the supervision of any physician, and a disability exceeding 180 days will not be given any more coverage. Benefits are not payable while you are qualified for your workers? compensation benefit.

Short-term coverage may be purchased for monthly benefit amounts ranging from $300 to $5000, any amount within one-third of your gross monthly salary. The cost of insurance is established on the amount of your chosen monthly benefit. Employees may increase coverage any time, or even purchase a new one, by simply showing a clean bill of health.

Any physical damage, illness, or pregnancy resulting in total disability past 180 days falls under Long-term disability insurance. Income is provided, and the coverage starts after the 180th day of a total disability due to pregnancy, illness or physical damage, and Read more…