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California Long-Term Disability

Getting seriously injured is a life-changing event. Not only does one have to go through the lengthy recovery process, one’s ability to work and provide for oneself can be severely impacted, in some cases for the rest of one’s life. For situations like these, long-term disability programs can be a godsend. They can replace a decent percentage of the income that you lose by being unable to work and can keep you afloat while you stay on the road to recovery.

Given how vital these programs can be, it’s equally vital to know your options in a state like California which does not offer long-term disability. In lieu of state-sanctioned disability, those in California looking for peace of mind can purchase long-term disability insurance, which they can get independently or through their employer, under group coverage. The criteria for eligibility for these two forms of coverage are slightly different.

Those looking to purchase long-term disability insurance have to go through a stringent health evaluation process. The insurer will consider your medical history and look out for what can be called potentially disabling conditions. If your medical records show that you underwent treatment for any of these potentially disabling conditions within a certain period of time, the insurers will refuse coverage. This makes it all the more important to consider long-term disability coverage before any health issues start to arise, especially if one’s employer does not offer a group coverage option. If one is able to sign up for long-term disability through their employer, however, the process is much more simple. These insurers just look for pre-existing conditions, which they define as

If one is able to sign up for long-term disability through their employer, however, the process is much more simple. These insurers just look for pre-existing conditions, which they define as a treatment for health issues within a certain frame of time, usually within the last three to six months. An applicant can still be approved for long-term disability even if they have a pre-existing condition, with a small caveat: there is a one to two year period from the start of the policy when it will not pay out if the pre-existing condition causes the insured person to miss work. If one is able to successfully sign up for long-term disability insurance, they are covered for a wide range of situations. Muscular and tendon disorders were the most represented conditions among long-term disability users, but the policy can cover anything from automobile accident recovery to chronic pain. A policy like this can be infinitely useful if one does experience a debilitating injury or medical condition, and in situations where the state doesn’t offer.

If one is able to successfully sign up for long-term disability insurance, they are covered for a wide range of situations. Muscular and tendon disorders were the most represented conditions among long-term disability users, but the policy can cover anything from automobile accident recovery to chronic pain. A policy like this can be infinitely useful if one does experience a debilitating injury or medical condition, and in situations where the state doesn’t offer it it’s important for responsible adults to explore and consider their alternatives. A long-term disability policy could mean the difference between getting back on your feet after a long recovery, or having your life irreversibly changed.

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