Guest guest Posted June 19, 2001 Report Share Posted June 19, 2001 Hi: I too am self-employed. As I understand it, and I'm not an expert on this subject at all, but if you are self-employed you should carry insurance in case you do become disabled. I'm not sure you can collect disability if you are not working for someone as an employee (i.e. taking out taxes from your paycheck, etc.) If anyone else out there knows more about this, please contribute. I will research on the AOL business board to see if anyone knows there and report back. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 19, 2001 Report Share Posted June 19, 2001 Hi: I too am self-employed. As I understand it, and I'm not an expert on this subject at all, but if you are self-employed you should carry insurance in case you do become disabled. I'm not sure you can collect disability if you are not working for someone as an employee (i.e. taking out taxes from your paycheck, etc.) If anyone else out there knows more about this, please contribute. I will research on the AOL business board to see if anyone knows there and report back. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 19, 2001 Report Share Posted June 19, 2001 , we're both in California -- the answer is YES! State mandated. (although the pay isn't great) you might want a few tips on how to get the forms filled out correctly though....the errors made on mine delayed monies for 8 weeks.... carla sbolles432@... wrote: > Hi All, > I asked about disability in the event I find myself unable to work > for 3 months. I am freelance, no employer in other words though > I am paid as an " employee " but only during the duration of the > project. I haven't called my unepmloyment office who I > understand distribute disability if you are temporarily unable to > work for medical reasons. > > While I expect to be basically out of commission for 3 to 4 weeks > I have heard from a number of women that they were unble to > work for 3 months or more following myo. This would be > devastating to me financially. Obviously, i would prefer a quick > recovery and not have to think about disability but i prefer to be > prepared for the worse and not be blind sided later. > > Has anyone on the list collected disability after their surgery for > recovery? And yes, I mean only temporarily. > > Thanks, > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 19, 2001 Report Share Posted June 19, 2001 Footnote. I'm a contract writer through MetroIS in LA and simply had to identify my inability to continue work as " compelling medical " reasons on the state forms (which you can download from the internet, BTW, and file on your own). California protects even us lowly freelancers from loss of income.... Carla Dionne wrote: > , > > we're both in California -- the answer is YES! State mandated. > (although the pay isn't great) you might want a few tips on how to > get > the forms filled out correctly though....the errors made on mine > delayed > monies for 8 weeks.... > > carla > > sbolles432@... wrote: > > > Hi All, > > I asked about disability in the event I find myself unable to work > > for 3 months. I am freelance, no employer in other words though > > I am paid as an " employee " but only during the duration of the > > project. I haven't called my unepmloyment office who I > > understand distribute disability if you are temporarily unable to > > work for medical reasons. > > > > While I expect to be basically out of commission for 3 to 4 weeks > > I have heard from a number of women that they were unble to > > work for 3 months or more following myo. This would be > > devastating to me financially. Obviously, i would prefer a quick > > recovery and not have to think about disability but i prefer to be > > prepared for the worse and not be blind sided later. > > > > Has anyone on the list collected disability after their surgery for > > recovery? And yes, I mean only temporarily. > > > > Thanks, > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 19, 2001 Report Share Posted June 19, 2001 I collected disability for 8wks following my myo 11yrs ago.. I was able to return to work after 8 wks and was my old self best wishes on your surgery! --- sbolles432@... wrote: > Hi All, > I asked about disability in the event I find myself > unable to work > for 3 months. I am freelance, no employer in other > words though > I am paid as an " employee " but only during the > duration of the > project. I haven't called my unepmloyment office who > I > understand distribute disability if you are > temporarily unable to > work for medical reasons. > > While I expect to be basically out of commission for > 3 to 4 weeks > I have heard from a number of women that they were > unble to > work for 3 months or more following myo. This would > be > devastating to me financially. Obviously, i would > prefer a quick > recovery and not have to think about disability but > i prefer to be > prepared for the worse and not be blind sided later. > > Has anyone on the list collected disability after > their surgery for > recovery? And yes, I mean only temporarily. > > Thanks, > > > ===== Peace Shoneydust __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 19, 2001 Report Share Posted June 19, 2001 I collected disability for 8wks following my myo 11yrs ago.. I was able to return to work after 8 wks and was my old self best wishes on your surgery! --- sbolles432@... wrote: > Hi All, > I asked about disability in the event I find myself > unable to work > for 3 months. I am freelance, no employer in other > words though > I am paid as an " employee " but only during the > duration of the > project. I haven't called my unepmloyment office who > I > understand distribute disability if you are > temporarily unable to > work for medical reasons. > > While I expect to be basically out of commission for > 3 to 4 weeks > I have heard from a number of women that they were > unble to > work for 3 months or more following myo. This would > be > devastating to me financially. Obviously, i would > prefer a quick > recovery and not have to think about disability but > i prefer to be > prepared for the worse and not be blind sided later. > > Has anyone on the list collected disability after > their surgery for > recovery? And yes, I mean only temporarily. > > Thanks, > > > ===== Peace Shoneydust __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 20, 2001 Report Share Posted June 20, 2001 Carla: Does that also go for self-employed or business owners? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 20, 2001 Report Share Posted June 20, 2001 Carla: Does that also go for self-employed or business owners? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 20, 2001 Report Share Posted June 20, 2001 Carla: Does that also go for self-employed or business owners? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 20, 2001 Report Share Posted June 20, 2001 " Have earned at least $300 from which SDI taxes were withheld during a previous 12-month base period. " Probably not unless you were paying your own SDI. Freelancers and contract employees often have SDI paid by their contracting agency. All of the contracting agencies I've done freelance writing work for in the last 3 years have paid into this for me. I honestly didn't know this until I gave notice of my impending surgery to the last company I was freelancing with and the IT manager asked if I would receive SDI. I didn't think so. She told me to double-check with the state just to make sure. I figured " what the heck " and was pleasantly surprised to learn that the professional contracting agency that had sent me out on this assignment had indeed been paying SDI on my behalf. In fact, all my previous contracting assignments had paid it as well. The curious part was that the agency didn't tell me this when I asked them about it. In fact, they told me not to bother applying because I was a contract writer and wasn't eligible. Since my paychecks were all auto-deposited I never really looked at them but after checking with the state of California I pulled one out and took a good close look. Yep. SDI paid regularly. I called my agency rep and asked him " what gives? " The apologies were profuse but not exactly sincere. I guess it only goes to show that it never hurts to apply and ask questions instead of simply assuming there would be no benefits available. The worse thing the state can say is " no " , you are not eligible for any benefits. Basic eligibility info on disability and unemployment for California is located here: http://www.edd.ca.gov/diinfo.htm#Basic Eligibility 1- (long holding pattern at this number but you can get your eligibility questions answered here as well) I think just about every state has similar government web pages that address this issue. carla reneehale@... wrote: > Carla: > Does that also go for self-employed or business owners? > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 20, 2001 Report Share Posted June 20, 2001 " Have earned at least $300 from which SDI taxes were withheld during a previous 12-month base period. " Probably not unless you were paying your own SDI. Freelancers and contract employees often have SDI paid by their contracting agency. All of the contracting agencies I've done freelance writing work for in the last 3 years have paid into this for me. I honestly didn't know this until I gave notice of my impending surgery to the last company I was freelancing with and the IT manager asked if I would receive SDI. I didn't think so. She told me to double-check with the state just to make sure. I figured " what the heck " and was pleasantly surprised to learn that the professional contracting agency that had sent me out on this assignment had indeed been paying SDI on my behalf. In fact, all my previous contracting assignments had paid it as well. The curious part was that the agency didn't tell me this when I asked them about it. In fact, they told me not to bother applying because I was a contract writer and wasn't eligible. Since my paychecks were all auto-deposited I never really looked at them but after checking with the state of California I pulled one out and took a good close look. Yep. SDI paid regularly. I called my agency rep and asked him " what gives? " The apologies were profuse but not exactly sincere. I guess it only goes to show that it never hurts to apply and ask questions instead of simply assuming there would be no benefits available. The worse thing the state can say is " no " , you are not eligible for any benefits. Basic eligibility info on disability and unemployment for California is located here: http://www.edd.ca.gov/diinfo.htm#Basic Eligibility 1- (long holding pattern at this number but you can get your eligibility questions answered here as well) I think just about every state has similar government web pages that address this issue. carla reneehale@... wrote: > Carla: > Does that also go for self-employed or business owners? > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 20, 2001 Report Share Posted June 20, 2001 " Have earned at least $300 from which SDI taxes were withheld during a previous 12-month base period. " Probably not unless you were paying your own SDI. Freelancers and contract employees often have SDI paid by their contracting agency. All of the contracting agencies I've done freelance writing work for in the last 3 years have paid into this for me. I honestly didn't know this until I gave notice of my impending surgery to the last company I was freelancing with and the IT manager asked if I would receive SDI. I didn't think so. She told me to double-check with the state just to make sure. I figured " what the heck " and was pleasantly surprised to learn that the professional contracting agency that had sent me out on this assignment had indeed been paying SDI on my behalf. In fact, all my previous contracting assignments had paid it as well. The curious part was that the agency didn't tell me this when I asked them about it. In fact, they told me not to bother applying because I was a contract writer and wasn't eligible. Since my paychecks were all auto-deposited I never really looked at them but after checking with the state of California I pulled one out and took a good close look. Yep. SDI paid regularly. I called my agency rep and asked him " what gives? " The apologies were profuse but not exactly sincere. I guess it only goes to show that it never hurts to apply and ask questions instead of simply assuming there would be no benefits available. The worse thing the state can say is " no " , you are not eligible for any benefits. Basic eligibility info on disability and unemployment for California is located here: http://www.edd.ca.gov/diinfo.htm#Basic Eligibility 1- (long holding pattern at this number but you can get your eligibility questions answered here as well) I think just about every state has similar government web pages that address this issue. carla reneehale@... wrote: > Carla: > Does that also go for self-employed or business owners? > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 24, 2002 Report Share Posted April 24, 2002 I don't join in very often but today I do need a little advice. I received a letter from Cigna Ins company, whom I had disability insurance with through my employer, today stating they have discontinued my long term disability payments. They see no reason why I couldn't work full time. WELL, HELLO!! Has this happened to anyone else? They say I can fight it. They said my doctor said I was asymtomatic but could not work due to fatigue from the PSC. If anyone has had any experience with this as to how to approach them I sure would be appreciative. I feel awful complaining about this when so many in our group have a lot worse problems than this. I wish I could make this whole disease just go away. It's not bad enough you have to feel bad almost all the time, you have to fight with these people who make the decisions & know nothing about it. My prayers go out to all of you, Doris Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 24, 2002 Report Share Posted April 24, 2002 I don't join in very often but today I do need a little advice. I received a letter from Cigna Ins company, whom I had disability insurance with through my employer, today stating they have discontinued my long term disability payments. They see no reason why I couldn't work full time. WELL, HELLO!! Has this happened to anyone else? They say I can fight it. They said my doctor said I was asymtomatic but could not work due to fatigue from the PSC. If anyone has had any experience with this as to how to approach them I sure would be appreciative. I feel awful complaining about this when so many in our group have a lot worse problems than this. I wish I could make this whole disease just go away. It's not bad enough you have to feel bad almost all the time, you have to fight with these people who make the decisions & know nothing about it. My prayers go out to all of you, Doris Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 24, 2002 Report Share Posted April 24, 2002 Doris, Not sure how you can fight this but I'd have all of your doctors write them a letter. If it is long term disability then they should be in for the long term. They say you can fight this - - what do they think you are doing. They are receiving premiums, it's not like they are giving you charity. This stuff makes me so mad. It isn't bad enough that you guys have to have this disease but you, we shouldn't have to go through all these financial trials. Hope you can convince them that symptoms come and go and there is no way of predicting sudden flare ups and just because you are stable now doesn't mean things might now change and pushing to work doesn't help at all. Peg __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 24, 2002 Report Share Posted April 24, 2002 Doris, Not sure how you can fight this but I'd have all of your doctors write them a letter. If it is long term disability then they should be in for the long term. They say you can fight this - - what do they think you are doing. They are receiving premiums, it's not like they are giving you charity. This stuff makes me so mad. It isn't bad enough that you guys have to have this disease but you, we shouldn't have to go through all these financial trials. Hope you can convince them that symptoms come and go and there is no way of predicting sudden flare ups and just because you are stable now doesn't mean things might now change and pushing to work doesn't help at all. Peg __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 25, 2002 Report Share Posted April 25, 2002 I received a letter from Cigna Ins company, whom I had disability insurance with through my employer, today stating they have discontinued my long term disability payments. They see no reason why I couldn't work full time. WELL, HELLO!! Dear Doris, Sorry to hear about the problems you're having with (IMHO) petty authority. Although I live in the UK and so systems are somewhat different I am having to fight a very similar situation. It seems that PSC isn't described in their medical books so the don't know where to stick us if you would pardon the expression. :~) My GP has put me down as biliary cirrhosis as that is commoner and they seem to understand that a bit. Sorry I can't help you with the details, I hope one of our friends here, with experience of your insurance system, will. All the best, Barbara (UK) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 25, 2002 Report Share Posted April 25, 2002 I received a letter from Cigna Ins company, whom I had disability insurance with through my employer, today stating they have discontinued my long term disability payments. They see no reason why I couldn't work full time. WELL, HELLO!! Dear Doris, Sorry to hear about the problems you're having with (IMHO) petty authority. Although I live in the UK and so systems are somewhat different I am having to fight a very similar situation. It seems that PSC isn't described in their medical books so the don't know where to stick us if you would pardon the expression. :~) My GP has put me down as biliary cirrhosis as that is commoner and they seem to understand that a bit. Sorry I can't help you with the details, I hope one of our friends here, with experience of your insurance system, will. All the best, Barbara (UK) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 Will, My name is Ana Verez. I'm work at ARC. I'm putting together a powerpoint presentation for one of the programs I oversee. I would really like to include this in my powerpoint presentation (Obviously, giving you the credit). I really liked what you wrote and it's THE TRUTH. Do you mind if I use it in my powerpoint? DISABILITY Will Hawke wrote: DISABILITY One fact of disability is the totally non-discriminatory fashion by which it affects the lives of families. With no regard for economic status, race, gender, age, or personal plans, a chosen group of individuals is entering into this cycle everyday. We all have to start somewhere is no longer an option. You have to begin the process and learn to deal with things that you have no idea how to deal with. Many surveys reflect the number one thing parents identified as needing was information. I have heard the term empowering used in describing what happens when we finally access information and skill to become effective advocates. It is a self-empowering and self-advocacy process. NO ONE can do this for you. If you want the things you are entitled to you have to become this advocate. This cycle we are involved in has been experienced many times before and in many different ways. The most prudent thing to do is to learn from the efforts of those going before you and duplicate the successes. Networking allows us to do just that. If we continue to be persistent and remain informed we can be the difference. The best advice given to me was by an overworked underpaid attorney after hearing me whine for awhile about my problems with the school district: “IF YOU ARE LOOKING FOR A KNIGHT IN SHINING ARMOR ON A WHITE CHARGER TO COME AND RESCUE YOU FORGET IT. YOU HAVE TO LEARN TO DO THIS YOURSELF.” I followed that advice and have reaped the rewards. This is reality of what has to happen. There are no shortcuts and the cycle continues as we teach our children to advocate for themselves. Written by Wilbur Hawke Yahoo! Photos – Showcase holiday pictures in hardcoverPhoto Books. You design it and we’ll bind it! Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You are posting as a guest. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.