Yes, it is very common for disability insurance plans to include a clause for social security disability, meaning the insurance company will pay a portion of the monthly benefit, expecting that you would apply for social security benefits to pay for the "Supplemental Social Security benefits". In the event you get declined by Social Security, then the insurance company would cover the additional supplemental benefits. Employer group plans as well as individual disability insurance plans can include that clause.
Yes, employer paid disability insurance plans are normally paid with pre-tax money, therefore the benefits will be taxed.
They sell supplemental insurance to core company medical and dental plans. Can be specific plans for cancer or Accidental Dismemberment and Disability, Short or Longterm Disability as examples.
There are plenty of companies that provide disability insurance. Some companies have individual disability insurance plans, some have group disability insurance and some have both. Individual insurance companies: MetLife, Mutual of Omaha, Guardian/ Berkshire, Principal, Ameritas, Assurity, Fidelity Security, Illinois Mutual, and more. Some of the group disability insurance companies: SunLife, Reliance Standard, Kansas City Life, MetLife, Mutual of Omaha, Illinois Mutual, Washington National, etc.
You do have the option to get an individual plan for Short Term Disability Insurance! The advantage is that if you change jobs, you take the plan with you. Same goes for involuntary job loss, you're still covered if you lose your employment. Also, some employer plans do not cover off the job injuries or disabilities, while individual plans cover you 24/7 for any illnesses or accidents. You should talk to a good agent (see below) to discuss all options available to you..
Most insurance plans cover some cosmetic dentistry.
Since group health insurance plans usually cover say 500 heads at a time, the Insurance Company has the option to offer lower premiums for economy,than charging for an individual policy. Whether group health insurance plans have better coverage is doubtful because claims are entertained on individual basis and are to follow guidelines applicable to all.
A group agenda is the plan or plans the group has.
The group insurance plans are ususally NOT portable, which means you can't take them with you if you change jobs. Most group plans do not require proof of medical insurability, while majority of individual plan will require some underwriting.
American International Group offer many types of insurance cover to their customers. They offer general insurance, life insurance, retirement plans and travel insurance.
Medibank offers many different health insurance plans. It offers hospital cover, extras cover, and ultra health cover. Ultra health cover combines hospital cover and extras cover.
Zurich Insurance Group is a global insurance company with a office in Zurich. They cover home, automobiles, life insurance, retirement and pension plans, savings and investment plans and anything else you might need.