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  • What Company Still Offers Accident with Short Term Disability?
    I Have an Allstate Accident/Disability plan. They no longer offer it. Does anyone?...
  • Disability and Tax Question in MICHIGAN!
    If an employer pays for an employees DI Policy, I do know that the benefit should be taxable when it comes time for a claim. But, I am a little confused. What if an employer doesn't get a tax benefit by paying for it, is the employees benefit still taxed? I have a client who wants to pay for his two employees DI policies. Is there a way around the benefit being taxed if the employer is......
  • Disability Affects of FE Insurance
    Is their really any concern for people who are on ss disability to take out fe insurance? Can they lose their disability payments? What about housing affects?...
  • LT Disability Question
    I have a prospect who works in a manufacturing plant running one of the machines who is looking for LT DI. A couple carriers I checked with MoO and ON will only go out to 5yr benefit period, based on job class (skilled worker/light machinery). Will anyone go beyond 5yrs? He's 36 now, his bank gave him a quote for 5yr, 10yr, and to age 65. Not sure who they are quoting. He wants to go longer......
  • Taxable Status, Employment Disability Income, how to Confirm
    Accountant for the client says bring end of year form for the disability payments. Their other income is SSDI, which does count as income for subsidy. Would prefer to have good answer before issuing policy, as cost sharing in addition to monthly premium would vary quite a bit. Any input on how to determine whether to count work disability is helpful. Some clients say it's not part of MAGI at all......
  • Help with Client
    I've got a client looking for life insurance that is going to be hard to find coverage on...but thought you guys might have some info Ohio resident On permanent disability from car accident Suffers from larynoplasms resulting from acid reflux, coughing, indigestion...this results in seizures Any chance of getting coverage?...
  • SSI Vs Social Security Disability
    Man seems like as soon as I think I have something figured out, I get more confused. As far as ACA is concerned, and included in MAGI: Tax Exempt Social Security Retirement Income = Included Social Security Disability = Included SSI = Excluded Right? I had one signed up for 2014. Her income was a job and her husbands was Soc Security retirement. She retired and got social security......
  • Disability and Taxes
    Has anyone ever seen a lump sum DI avoid federal taxes if transferred to tax sheltered product? Or is this unavoidable?...