Health Insurance Coverage for Disablement Arkansas AK
Reader’s Question:
My health insurance agent here in Arkansas is telling me about disablement being divided into different categories. What are these and how are they different?
George
Jonesboro, AR
Your health insurance agent in Arkansas is right.
Some people have medical conditions that are so debilitating that they find themselves unable to work or function properly for the rest of their lives. They are considered permanently disabled. If they only lose one or some of their functions, say for instance sight or movement of a part of a limb, they would be referred to as permanently partially disabled. Those who have hope for recovery would fall under temporary disablement. If they were bed-ridden due to an accident or illness and consequently they could no longer do their jobs, they would be categorized under temporary total disablement.
If Social Security makes them eligible for disability benefits, they may likewise expect health insurance coverage. After waiting for about 24 months, their health insurance policies will shoulder the medical expenses as a result of their disablement. The definition of disability by social security, though, is quite different. Basically, it only considers total disability. Social Security has three criteria for disablement: one must be unable to perform the responsibilities required by his or her profession; one must have some difficulty doing other kinds of work; and finally the disability could possibly last longer than a year.
Tags: Health Care, health insurance
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