![]() |
|
| *Resource of HR>>>employment insurance |
Question about medical insurance/disability if terminal illness involved...? |
My mother was diagnosed with inoperable pancreatic cancer 2 months ago and given approx a year with chemo. Unfortunately, her liver couldn't handle the chemo, and she has been taken off her chemo. She had only short-term disability through her job, which she paid extra for. That short-term disability expires January 15. She has no long-term. Not good news. Her salary isn't what concerns me. She has medical insurance through her place of employment and also two different life insurance policies. One of the policies is furnished by her job. It equals to the amount of one year of her salary. The other, is one she paid extra for, through the same company as her medical insurance...I believe. She'll have to pay for the insurance via Cobra, and convert the life insurance policy. It can be done, she just has to pay for it. But the rates and coverage, will be locked in as they are now. My dad passed from Pancreatic Cancer 6 years ago, so first off I am very sorry your Mom has this disease. As for the insurance, the only thing I can think to do is call them and ask. I hope that you live close to your Mom because you need to be spending every moment you can with her right now because her time is VERY limited. You will need to contact her employer, and get copies of the policies that they offered. The life policies might have a waiver of premium benefit, this has a six month waiting period. So you will need to pay for six months, then they will waive the cost. |
| Related information |
She'll have to pay for the insurance via Cobra, and convert the life insurance policy. It can be done, she just has to pay for it. But the rates and coverage, will be locked in as they are n... Go to a SunLife office. They sell insurance to foreigners. I live in Ontario and I pay for a health plan that is identical to the provincial one here (OHIP). You could also try Manulife or TD. I ha... Check with your employer and see if they will be offering COBRA. Since there must be a similar policy for active employees for COBRA to be offered, I'm not sure in this case. Here is a good si... Lloyds of London will insure almost anything. You should ask them. ...It could be that, because you are not the insured member, you don't have any access to the online information. Call the number on the back of his card and ask. ...No, you can keep it for 18 full months after you leave your old employer, for whatever reason - even if you're working with a new employer. But then, you need to have a plan in place - wha... What's the GOAL? I mean, no dependents, I don't see why you'd WANT it. Don't look at the product, THEN see how it fits in - SET THE GOAL FIRST, otherwise you're just ... After you leave your job, you can always use COBRA for 18 months until you either find a new job or get new insurance. If you're not familiar with it, you keep your same insurance but pay the... |
Categories--Copyright/IP Policy--Contact Webmaster For personal non-commercial use only. |