Disability - Temporary

While temporary disability may not have the same long-term effects as a permanent disability, it is still important to understand the issues surrounding your present situation. You will have to make the decision, perhaps in consultation with your health care professional as to when and whether it is feasible for you to return to your current job or to find other temporary work instead. Vocational rehabilitation can help you greatly in quickly returning to work. While the Social Security Administration does not provide these services, it is able to help pay for them under certain circumstances.

It is also to your advantage to look through this web site to find the covered medical services that apply to your particular situation. This research might also help you figure out a medical and rehabilitation plan that suits your needs as well as your budget. It may also be helpful to find out what benefits are available to you through your spouse's plan.

Plan Checklist

  • Review the rules for the Time Loss benefit in the BenefitTabs™ and SPD and then apply for any benefits you may be due. The Time Loss program pays a taxable benefit of 33% of Journeyman pay for 40 hours each week of disability for up to 26 weeks.
  • The self-contribution program is available for six months of coverage for temporarily disabled participants, provided you meet the program requirements. The six month period may, at the option of the Trustees, be extended for an additional six months.
  • Go over the rules concerning the limited disability extensions to coverage and COBRA continuation coverage rules. In addition to the basic 18 months of possible COBRA coverage, participants whose qualifying event is disability may be able to pay for an additional 11 months of COBRA coverage.
  • If you or a dependent are totally disabled when coverage under this plan terminates, you or your dependent can apply for an Extension of Benefits. An Extension of Benefits provides continued coverage but only for treatment of the condition that caused the disability. To qualify, the disabled person must meet all of the conditions specified in the rules.

Also Consider...

Planning Notes:

If there is a possibility that your disability may become permanent, you should review the Life Event page regarding Permanent Disability to help prepare yourself financially.