Onoinarily, no. Disability insurance, like other types, is intended to provide benefits for only fortuitous events--those that cannot be planned and which are not intended or foreseeable. Although Alcoholism may not have been the intention of the alcohol user, it was a foreseeable consequence of overuse.
That said, there may be limited benefits available for rehabilitation under a health insurance policy, as well as for medical care needed due to physical problems resulting from alcoholism.
form_title=Purchase Disability Insurance form_header=If you're suffering from a disability, insurance can help pay for bills and other needs. Have you received disability insurance in the past?= () Yes () No Does your employer offer disability insurance?= () Yes () No How quickly, and for how long, do you need disability insurance?=_
It depends on how the premiums for the disability insurance were paid.
Disability Insurance pays when you get injured working. It's used to pay bills like the electric, and the mortgage.
Disability insurance covers you in case you are not able to work due to a disability. This may pay for your bills, medical expenses, and other costs of living.
my friend has no insurance and has no money to pay for alcohol rehabs in Tennessee and has become suicidal because he has had no luck in finding residential treatment-can someone refer me to a free rehab or one that you can work upon being accepted to pay for treatment?
If I'm not mistaken, life insurance is paid out on death. It may have a clause that pays the premiums on it in event of disability, but that, like a policy that pays you on disability, is basically under a disability insurance benefit, not life insurance policy.
IF you paid the premiums with before income tax funds for this private disability insurance the amounts that you receive is NOT taxable income to you.
Any insurance is good because of the "what if's". A good disability insurance is Aaflac. It will help pay bills in the event of an accident or disability so that you don't end up with financial problems.
there are various benefits for disability insurance like aflak that will pay your bills if you need them too. other insuances will provide you with money or reparations.
It depends where you live. There are a number of ways you can pay for treatment either on the NHS or privately: Pay-as-you-go. 'Capitation' schemes. Dental insurance. Private medical insurance. Cash plans. Treatment loans.
In most cases, people who receive benefits from disability insurance will not be required to owe any taxes on that money. However, there are some cases when people with certain income levels will be required to pay taxes on disability insurance income. If a person has disability income and earns a salary that is greater than $25,000 and less than $34,000, then he or she will have to pay taxes on 85% of all disability income received in the past year. If a person earns more than $34,000, then he or she will have to pay taxes on a greater portion of the disability income.
The employer is obligated to follow its own written policy about employees out on short-term disability leave. The employer cannot, for example, pay for the president's health insurance when she is out on STD leave and then not pay for the entry-level clerk's health insurance when he is out on STD leave. If the employer does not have a written policy, then all employees who take a disability leave should be treated the same.