Yusra3
Banned
Do you have a disability? If so, your life can be changed forever. The medical bills and other expenses that come with a disability can be overwhelming, and it's important to protect yourself from financial hardship. Disability insurance can help you cover the cost of unexpected and expensive medical bills when you're unable to work.
But before you buy disability insurance, there are a few things you should know:
1. You may not qualify for disability insurance if any of the following apply: You already have health insurance (including Medicare or Medicaid), your health conditions are covered under your employer's plan, or your employer provides benefits for long-term sickness or injury.
2. You must have a chronic condition that is expected to last at least 12 months (or 36 weeks if it's terminal). Chronic conditions include heart disease, cancer, diabetes, epilepsy and other neurological diseases.
3. Your income must be low enough to qualify for Medicaid in most states. This is because many states require companies that offer disability insurance to collect information about the employee's income before issuing coverage.
But before you buy disability insurance, there are a few things you should know:
1. You may not qualify for disability insurance if any of the following apply: You already have health insurance (including Medicare or Medicaid), your health conditions are covered under your employer's plan, or your employer provides benefits for long-term sickness or injury.
2. You must have a chronic condition that is expected to last at least 12 months (or 36 weeks if it's terminal). Chronic conditions include heart disease, cancer, diabetes, epilepsy and other neurological diseases.
3. Your income must be low enough to qualify for Medicaid in most states. This is because many states require companies that offer disability insurance to collect information about the employee's income before issuing coverage.