Question
HELP!!!Any insurance co/other resources will offer Short term disability wilth prior injury?
I live in Michigan/ 26/single/no dependants/live alone/unemployed b.c of a injury I obtained. I am on LOA off of work. I have surgery 11/4 and my insurance will only cover the MRI. The surgery for my ACL reconstruction/physical therapy/athe/hospital/post doc visits are not covered in my insurance. I dont have short term disability ( yes my job offers it but I cant get it because its a prior injury and I cannot add to my premium since I am not working and they deduct it from payroll. And the only state aid I can get is food stamps. I have a job waiting for me to come back but I am worrired about how to pay for my medical bills and get some time of money to help bills in the mean time since I will be off of work for 4 month at least. Does any one know of any programs I can apply for in the state of Michigan (other than the county plan b or the adult medical program) Is there any insurance companies or other resources that I can get short term disability with a prior injury. I am willing to pay for the premium out of pocket. Any others suggestion plz help!! Thanks :) LV
3 weeks ago - 2 answers
Best Answer
Chosen by Asker
OK, you say you're unemployed, but you have a job. You have a preexisting condition, and you can't get coverage for your preexisting condition. Very true. Michigan is in dire financial straits right now. If you don't qualify for medicaid, your best bet is to go talk to your pastor, or give up the apartment and move in with friends/family during the recoup time.
by mbrcatz
3 weeks ago
Asker's Rating: 
Other Answers
You misunderstand the concept of insurance completely. The purpose of insurance is to spread the risk around. You pay premiums. You risk never having to use the insurance, and having your premiums used for those who do make claims. The insurance company risks having to pay out more in premiums that they take in. You can't just start paying premiums when you want the insurance to start paying out. You aren't taking any risk in that case. And the insurance company is guaranteed to lose money. That's no way to run a company. You can't do what you want. You need to sign up for disability insurance now, in case you need it in the future. It won't pay out for your current condition ever, since it is a preexisting condition.
by Lisa A- 3 weeks ago