by aaronsmommy » Sep 25, 2005 4:49 pm
Once you are sick, it's impossible to get disability insurance. Unless you get it from work, they require a medical history, and a physical exam. Most insurance policies only cover about 60% anyway, so if you are getting half somehow, you are pretty much there.
I had the same problem with my first pg. I had CA state disability, but found out that you have to be contributing to the program for about 6 months to start getting benefits. Although my previous job had been in CA, I didn't contribute to that program, so I wasn't eligible, so I got nothing.
You might want to look in to getting hospital income insurance (maybe through the union) then you would at least get something if you were in the hospital. I'm not sure they do a physical for that.
Aimee
Aaron 12/4/02