The University of Washington is committed to providing access, equal opportunity and reasonable accommodation in its services, programs, activities, education and employment for individuals with disabilities. To request disability accommodation, contact the Disability Services Office at 206-543-6450 (voice), 206-543-6452 (TTY), 206-685-7264 (fax), or dso@u.washington.edu at least 10 days prior to the start of your course or date of a UW event you plan to attend.

Policy provisions vary, as do the premiums depending upon which provisions you choose. Generally the policy will specify a maximum period of time it will pay for a covered disability. Typical policy terms are for two years, five years, or to age 65. If during that time you recover from the disability and return to work, the policy will provide that a new disability will start a new benefit period.

Group insurance plans through an employer can provide needed coverage. An individual needs to know if the plan covers illness and injury, for how much and for what period of time. Some group policies provide coverage only if injured on the job and only for a short period of time. Some employers provide no group coverage at all. Many individuals have multiple policies that cover long term disabilities.

Psychological adjustment to a disability is a life long process that is different for every individual. There is no correct way to adjust or normal process of adjustment. In fact, some people may never feel a sense of adjustment or acceptance. The important point is that at some time after an injury or illness, life must go on.

Disability income is a form of health insurance that is designed to provide you with an income during the time you are unable to work due to illness or injury.

Many of us have life insurance, however very few of us have long-term disability coverage. Yet according to statistics, workers are more likely to sustain a long-term disability (one lasting longer than 90 days) than die at an early age. Long-term disability insurance is fairly expensive, and people tend to think that they will be protected by workers' compensation or other sources. However, Social Security, workers' compensation, and employer-offered long-term coverage are often inadequate.

In general the unemployment rate among people with disabilities is quite high and for parents with disabilities this can be even higher as parents need to stay home to care for their children. Unfortunately, Through the Looking Glass does not provide employment assistance. If you go to our Links page and go to the employment section, there are several links on employment issues related to disability. You may contact your local State Department of Rehabilitation for employment assistance.

Getting rid of candida is tough. Even if you experience quick improvement, you will still need to take it several months to finish it off and give your body a chance to recover so that it will not grow back. Typically a range of 4 to 6 months or 5 to 8 months is needed to eradicate candida throughout the body depending on how much you are taking and how bad the infestation is.

Although Medicare covers many health care costs, you still have to pay Medicare's coinsurance and deductibles. There also are many medical services that Medicare does not cover. A Medigap policy provides reimbursement for some of the out-of-pocket costs that are not covered by Medicare and which are the beneficiary's share of health care costs. Yes.

Long-Term Disability ("LTD") benefits are payments to an individual to replace lost income in the event of an injury or sickness resulting in an inability to work. Unlike Workers' Compensation benefits, State Disability benefits, or Social Security Disability Income benefits, LTD benefits are not required by law, nor are they provided by the government.

The period of a disability policy depends on the contract and on the company. You want one that will last at least until you are eligible for Social Security although a three to five year policy is cheaper. A few companies have policies that will pay for a lifetime along with Social Security after you turn 65, but this is rare and expensive. In any case, look for a policy that will not expire if you have to use it, but that would allow for several periods of disability.

For classified employees, CNA will pay 60% of gross monthly salary. If disability is catastrophic there is an additional 10% given. For faculty members enrolled under TIAA, the plans have a 90 or 180 day elimination period before benefits are payable. The employee will receive 60% of monthly salary with offsets for most employer related benefits.

Long term disability coverage provides wage replacement to individuals who experience wage loss due to a disability. LTD coverage lasts for at least one year.

Long Term Disability (or Permanent Health Insurances) covers loss of income if you are unable to work through illness or injury. The amount payable depends on what you were previously earning. Consult a broker.

Yes. However, this approximation should be close to your net taxable earnings reported to Revenue Canada Unfortunately, if you have a net taxable lower than $12,000 the insurer to reserve the right to NULL and VOID your contract for insurance or pay you a benefit based on the income reported.

Absolutely, especially if you want to protect your insurability as well as a company that is progressing financially. Future Earnings Protection option allows you to buy more coverage without evidence of insurability and allows your benefit to increase.

Because premiums are based on age and health status, the best time to buy a disability policy is when you are young and healthy (probably today!). There are two major types of disability insurance available to employees; group long term disability (LTD) insurance, and individual disability insurance. A group long term disability insurance plan typically is designed to replace 60% of base salary to a monthly maximum spelled out in the policy.

The actual payment will depend on your income. Most companies do not promise a set amount, but rather a percentage of the income you average for a period of years, usually three to five. When you purchase your policy, you decide what percentage of your income you want replaced, up to 80%. The percentage you choose, along with other features, will determine your premium.

The Grand Canyon river outfitters are very proud of our efforts to accommodate persons with even serious physical disabilities on our river trips. Please see our access program page for more information. Hantavirus Pulmonary Syndrome is a rare but serious viral infection predominately reported in rural and backcountry areas of the southwestern United States. The virus can be transmitted to humans through contact with rodents or rodent droppings.

There is no set requirement as to how often you must see your physician.  However, to continue receiving benefits you must be under the continued care of your doctor.  Periodically,  forms will be mailed to you to obtain updated medical information.  Those forms must be completed by you and your physician and returned to this Division. For detailed information on benefit calculations, see our web page entitled,  Benefit Calculations.