When health insurance companies agreed to cover everyone that applies under the Affordable Care Act (ACA), regardless of their health or medical history, they wanted some arrangement so people couldn’t wait until they felt sick to buy insurance. That was resolved by limiting enrollment to certain Open Enrollment Periods.
Although the federal American with Disabilities Act (ADA) has been around for more than 10 years, there is still a great deal of misunderstanding about what it does and doesn’t do. The law itself has little impact on benefits, despite what many may think, but it is an important tool in the rights and protection of persons with disabilities who wish to continue working.
Social Security offers several types of monthly benefits for a disabled person, Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI) as well as disability benefits for disabled widows, children, and adult children disabled since childhood. While each program has its own requirements for non-medical eligibility, they all use the same definition of total disability and the same method to determine if a person is “disabled enough” to be eligible for disability benefits.
For a person dealing with a serious disease, such as HCV, health insurance is by far the most important insurance benefit to get and keep. After that, disability insurance that can supplement public programs is very important as well.
While not as necessary as these, life insurance is still a handy benefit to have, especially when there are people who depend on you for support. If you have life insurance, you want to be sure to keep it in force. If not, there may be some ways to obtain it even after an HCV diagnosis.
Social Security, especially, as well as some insurance companies will send the claimant questionnaires once a claim has been filed as part of the claims review process. Some are for specific reasons or conditions such as pain, fatigue, or diabetic questionnaires. The most common type of questionnaire, however, is the Function Report – Adult. Although it may have a different name in some states or from some insurance companies, regardless of the title, it is designed to ask how your medical condition affects your daily life and your ability to function.
Don’t forget to check out our Disability & Benefits Page in our Resources Section, where you can find much more information on disability, benefits, insurance, Medicaid, SSI and SSDI.