Health insurance is an essential part of protection for all people who may become disabled. Having health insurance is also important for persons with disabilities, because they need it to receive treatment and care from health 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. The investment in universal healthcare coverage for people who have disabilities could improve their quality of life, and that of their communities.
Disability Benefits
You may be entitled to government disability benefits if you are disabled. Social Security Disability Insurance (SSDI), Supplemental Security income and Medicaid are all examples.
Disability benefits may differ depending on the state you live in. Your state determines the disability program for which you qualify and how much your benefits will cost.
Medicare and SSI provide disability benefits to low-income people, but do not cover medical expenses. Some other programs may include life insurance, private disability coverage and long term disability.
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.
Long-term disability coverage is available through your employer or from an insurance company. These policies are expensive but important if your medical condition prevents you from working.
You can get long-term disability insurance
Disability insurance is increasingly offered by employers, often as part of larger employee benefits packages. LIMRA (a research company that tracks workplace benefits) reports that it is offered by 41 percent of businesses. Some employers cover the cost of such plans for their workers.
These long-term-disability policies pay out a percent of your earnings, which is usually between 50-70%. However, they typically have a "elimination period," meaning that you have to wait for an injury or illness to qualify for benefits.
It can be a very important benefit to workers who earn less and do not have other disability insurance. This can be a great benefit for young workers who might lose their job due to a disability.
SUNY Long Term Disability (LTD).
The University of New York is providing free LTD coverage for its professional employees, UUPs and MCs. The University offers employees the option to purchase a employee-paid LTD policy that covers up to 60% of their predisability earnings with a cap of $16,667 / month.
You can apply for the LTD directly through The Standard. Or, you can do so via your SUNY HR office. You'll be required to submit a short form and proof of insurance, such as an exam.