Disability Insurance

Am I eligible for worker's comp or disability insurance in CA?
I got into a motorcycle accident leaving work on Friday. I have broken bones and probably can't work for the next couple of months. What can I file for? My job isn't protected? What if I file a FMLA?

Get the answers

Can someone please help me with this Personal Finance stuff?
Hi.. My teacher gave me these questions for persona finance and I have no idea what to do. I'm confused.. He didn't explain anything or go over the things with us.. He gave it to us to do without any books or anything. I don't want to fail his class, because he already assumes I'm going to fail this packet of 10 questions.. Can somebody please help me? I've never went so low as to coming on here and getting help but I'm desperate.. Please help me? 1. Which of the following best defines health insurance? (1 point) An annual contract between an insurance company and an individual A type of insurance whereby the insurer pays the medical costs of the insured A type of insurance that protects your personal property if you are unable to pay your bills A type of insurance that assists your loved ones in the event of your death 2. Which of the following illustrates the main difference between Medicare and Medicaid? (1 point)Medicare helps to insure the elderly, while Medicaid focuses on low?income individuals and families. Medicaid helps to insure the elderly, while Medicare insures low income earners. Medicaid helps to replace lost income for the poor. Medicare is available only to those over the age of 65. 3. Which of the following is not true about managed care? (1 point) The most common types of managed care are HMO's and PPO's. Your employer is responsible for all co?payments. It is a system in which companies contract with doctors to provide health care services. If you have health care coverage through your employer, you probably have a managed care plan. 4. Which of the following statements is true about Medicaid? (1 point) Medicaid covers only hospital and doctor's visits. Medicaid is a managed health care system. Medicaid was established to help ensure that people living below the poverty level could receive health care. Medicaid provides health care only for elderly veterans. 5. What is life insurance? (1 point) Health insurance that covers you for the rest of your life Insurance that supplements your income if your life in threatened Insurance that protects you in the event of an unexpected illness or accident that prevents you from working Insurance that assists your loved ones with income in the event of your death 6. John T. works on the assembly line in an automobile factory. One day, he falls off the roof of his home while cleaning his rain gutters and injures his back. He soon learns that he will have to be off his job for close to a year while his back heals. Which of the following insurance will he need to cover losses from his absence? (1 point) He will be covered by disability insurance for a period of three months. He may potentially be covered by disability insurance provided by his employer until he returns to work. He will have to collect from his regular medical insurance. Because the accident occurred at home, he is not covered. 7. Which of the following statements is not true about HMO insurance? (1 point) It is a managed health care system. The letters stand for Health Maintenance Organization. In an HMO, you are assigned a primary care physician. In an HMO you can choose your own primary care physician (PCP), but specialists must be referred by the PCP. 8. Which of the following statements is not true about disability insurance? (1 point) The only way to get disability insurance in through your employer. You can have short?term or long?term disability insurance. Long?term disability insurance ends when a person turns 65. Long?term disability insurance usually lasts five years. 9. Which of the following might be considered positive aspects of HMO's? (1 point) Free choice of primary care physician Care from non?HMO provider not covered Out?of?pocket expenses are usually low Easy to receive specialized care 10. Which of the following might be considered a negative aspect of HMO's? (1 point) Out?of?pocket expenses are usually high. HMO's focus on preventative care. Not easy to receive specialized care Free choice of primary care physician

Get the answers

Help me with these 5 questions!?
6. John T. works on the assembly line in an automobile factory. One day, he falls off the roof of his home while cleaning his rain gutters and injures his back. He soon learns that he will have to be off his job for close to a year while his back heals. Which of the following insurance will he need to cover losses from his absence? (1 point) He will be covered by disability insurance for a period of three months. He may potentially be covered by disability insurance provided by his employer until he returns to work. He will have to collect from his regular medical insurance. Because the accident occurred at home, he is not covered. 7. Which of the following statements is not true about HMO insurance? (1 point) It is a managed health care system. The letters stand for Health Maintenance Organization. In an HMO, you are assigned a primary care physician. In an HMO you can choose your own primary care physician (PCP), but specialists must be referred by the PCP. 8. Which of the following statements is not true about disability insurance? (1 point) The only way to get disability insurance in through your employer. You can have short?term or long?term disability insurance. Long?term disability insurance ends when a person turns 65. Long?term disability insurance usually lasts five years. 9. Which of the following might be considered positive aspects of HMO's? (1 point) Free choice of primary care physician Care from non?HMO provider not covered Out?of?pocket expenses are usually low Easy to receive specialized care 10. Which of the following might be considered a negative aspect of HMO's? (1 point) Out?of?pocket expenses are usually high. HMO's focus on preventative care. Not easy to receive specialized care Free choice of primary care physician

Get the answers