Frustrating: No disability ins. available!

[Scanner]

It's a shame but I can't get disability insurance anywhere mainly because I work less than 30 hours/week in both of my careers but combined, I work more than 40 hours/week.

To receive disability, you must work at least 30 hours/week in the chosen occupation.

Once again, this is why SSI is so needed - it's my only safety net other than emergency savings and living by my wit if I get disabled.

[maat55]

Originally Posted by Scanner

It's a shame but I can't get disability insurance anywhere mainly because I work less than 30 hours/week in both of my careers but combined, I work more than 40 hours/week.

To receive disability, you must work at least 30 hours/week in the chosen occupation.

Once again, this is why SSI is so needed - it's my only safety net other than emergency savings and living by my wit if I get disabled.

Are you not self-employed? Tell them you work 32 hrs.

Oh no, I need nanny government to take of me. Come on Scanner.

[MonkeyMama]

Yeah, my spouse can't get disability since he doesn't work "currently." Though disability could be a pretty large financial hardship, all in all. I am not thrilled with that.

I didn't realize disability was hard to get on a part-time income. Seriously?

Figures! (Mental note - must work 30 hours+ until financially independent. Blech).

[Scanner]

Are you not self-employed? Tell them you work 32 hrs.

Oh no, I need nanny government to take of me. Come on Scanner.

Oh yeah. . .lie to the insurance company.

There's a good strategy and a Conservative solution

Just goes to prove there is not a Private Marketplace solution to every woe.

Monkeymama:

Yes, again, I have pled my case that I do work 40+ hours/week but just not in each disipline. They don't care. They want over 30 hours specific to the work I do for that occupation. I could probably fiddle with the chiropractic hours a bit (throw in adminstrative time) but actually that profession is very hard to find coverage in because of high risk of injury - beleive it or not, injured backs do a lot of chiropractors in - my mentor was one of the casualities.

[maat55]

Originally Posted by Scanner

Oh yeah. . .lie to the insurance company.

There's a good strategy and a Conservative solution

Just goes to prove there is not a Private Marketplace solution to every woe.

Monkeymama:

Yes, again, I have pled my case that I do work 40+ hours/week but just not in each disipline. They don't care. They want over 30 hours specific to the work I do for that occupation. I could probably fiddle with the chiropractic hours a bit (throw in adminstrative time) but actually that profession is very hard to find coverage in because of high risk of injury - beleive it or not, injured backs do a lot of chiropractors in - my mentor was one of the casualities.

What does hours have to do with income? Your not insuring hours. I'm going to have to look into this myself.

[disneysteve]

Originally Posted by maat55

Are you not self-employed? Tell them you work 32 hrs.

Scanner, how many hours do you actually work as a chiropractor? I find it hard to believe that a self-employed chiropractor devotes less than 30 hours/week to the practice. That's only 6 hours/day, 5 days/week. Don't just count time actually spent seeing patients. There must be time taking care of the office, the equipment, writing/dictating reports, filling out forms, etc. If you were not self-employed but rather worked for another chiropractor, you would be getting paid for the hours spent doing those tasks so they absolutely count for the purposes of telling the insurance company how many hours you work.

[maat55]

Originally Posted by disneysteve

Scanner, how many hours do you actually work as a chiropractor? I find it hard to believe that a self-employed chiropractor devotes less than 30 hours/week to the practice. That's only 6 hours/day, 5 days/week. Don't just count time actually spent seeing patients. There must be time taking care of the office, the equipment, writing/dictating reports, filling out forms, etc. If you were not self-employed but rather worked for another chiropractor, you would be getting paid for the hours spent doing those tasks so they absolutely count for the purposes of telling the insurance company how many hours you work.

Exactly, I can claim I'm working when I go to Home depot on the weekend or do my payroll at home. I would not worry one bit about claiming sufficient hours.

[disneysteve]

Originally Posted by maat55

Exactly, I can claim I'm working when I go to Home depot on the weekend or do my payroll at home. I would not worry one bit about claiming sufficient hours.

True. I'm working at my occupation when I'm sitting at home doing internet surveys because I need to be a practicing physician in order to qualify for those surveys. If I was disabled from work, I wouldn't only lose my direct practice income, I would lose that survey income also, so I would not hesitate to count those hours.

I'm also doing work-related stuff when I'm reading journal articles to keep up to date on current treatment guidelines and new therapies or attending conferences for continuing education credits to maintain my licensure and board certification. It is all part of my occupation.

[asmom]

Originally Posted by maat55

Are you not self-employed? Tell them you work 32 hrs.

Oh no, I need nanny government to take of me. Come on Scanner.

FYI, SSDI is funded by social security taxes and if you haven't worked and paid into the system you can't qualify. So "nanny" government wouldn't be taking care of him, he would be receiving benefits from the system he has paid into just like any other insurance plan.

[maat55]

Originally Posted by asmom

FYI, SSDI is funded by social security taxes and if you haven't worked and paid into the system you can't qualify. So "nanny" government wouldn't be taking care of him, he would be receiving benefits from the system he has paid into just like any other insurance plan.

I would give my opinion of SSID but Jeffrey would give it the axe.

Scanner is claiming that he is dependent on SSID because he claims he cannot obtain private disability insurance based on hours.

IMO, he as an small business owner, should not be concerned with qualifying for private insurance, based on hours.