Can I get coverage for multiple disabilities?
Your coverage may be affected by the types of disabilities you have and when you receive those disabilities. A few situations can happen:
- You have both long- and short-term disabilities. Let’s say you suffer from both long- and short-term disabilities but only bought a long-term policy. Your insurer will pay based on the long-term disability.
- Multiple conditions qualify as a disability together. For Social Security disability, many conditions don’t qualify by themselves. But they may be considered a disability when listed on your claim together.
- You’re diagnosed with a new disability. Insurers may allow you an extended benefit period, but this is offered on a case-by-case basis. Be prepared to give a strong argument and medical proof.
Learn your legal rights under the Americans with Disabilities Act (ACA)
The Americans with Disabilities Act (ACA) is a landmark law that aims to advance access and opportunities for those with physical and cognitive disabilities.
The law spells out people’s rights for employment, transportation, telecommunications as well as getting access to government space programs and private facilities.
The ACA assigns a federal agency to handle each of these rights, offering avenues for anyone with a disability who experiences discrimination.