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Disability Insurance Questions

Disability insurance is a type of insurance that an individual may get when he/she is unable to earn an income due to a disability. There may be various types of Disability insurance benefits available to people depending on the circumstances, and it can be confusing to understand each and every type. Given below are a few commonly answered questions by the Experts about Disability insurance.

Can State Disability Insurance Benefits and Social Security Disability be collected at the same time?

It may be possible for a person to collect both State Disability insurance and Social Security Disability benefits at the same time. However, the amount that the individual may receive in the form of Social Security Disability benefits may depend on how much they receive from the State Disability Insurance. It could be reduced depending on the insurance.

What criteria should one meet in order to qualify for Social Security Disability Insurance?

In order to be eligible for Social Security Disability Insurance, an individual may have to fulfill the following conditions:
He/she should have a physical or mental condition that prevents the performance of any activity through which he/she may earn.
The health condition must last for a minimum period of 12 months or should lead to the death of the individual.
The person receiving the benefits should be below 65 years of age.
The person should have worked for at least 5 out of the previous 10 years as of the date when the Disability started. In the case of people who were disabled before the age of 22, the work requirement may be waived. The individual may be able to collect the benefits on the basis of his/her parent’s work credit.

Should an individual who receives Social Security Disability report their new born child as a dependant?

An individual may be required to report a new born baby as a dependant if they are receiving Social Security Disability. If reported, the child will also become eligible for Social Security Benefits.

Would Disability income received as a part of a voluntary plan be considered taxable income?

Disability income that is received as a part of a voluntary plan may be similar to Social Security Disability insurance. It is not considered to be taxable income unless it is received due to unemployment.

Can employers deny an employee disability pay if the insurance is paid through the company?

As long as the employee is disabled and cannot continue working due to the disability, the employer may not be able to deny him/her the Disability pay. The individual may provide a doctor’s certificate to prove his/her claim.

Would supplemental Disability insurance be considered to be deductible income for tax purposes?

If the individual pays for the insurance, it may be considered as deductible income for tax purposes. It may not be deductible if the city pays for it.

Would the parent of an individual who received Disability benefits be eligible for the benefits after their death?

The parent of an individual receiving Disability benefits may be eligible for the benefits only if he/she is at least 62 years of age and was dependant on the individual before the death.

A Disability can be very difficult to deal with especially if it hinders with an individual’s ability to earn an income and look after himself/herself. It can be very frustrating if you are not able to provide for yourself and need to depend on someone. There are many benefits that may be available to you if you are disabled and cannot work any longer. You may speak to an Expert in such situations and get all your doubts regarding Disability insurance cleared.
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