# School me on Disability insurance. **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [February 26, 2015, 7:39am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763 "2015-02-26T07:39:06Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![KuntryQuestTSi](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/kuntryquesttsi/32/5010_2.png) [@KuntryQuestTSi](https://forums.speedlife.net/u/KuntryQuestTSi)\ **Post date:** [February 26, 2015, 7:39am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/1 "2015-02-26T07:39:06Z")
My spelling and grammar is probably enough of a disability to disqualify me for any coverage, but let’s set that aside for now. With the race season fast approaching, And sponsorships I’ve never dreamed of having. I will be holding nothing back this year. That leaves the fact that a serious injury is more likely than ever. What do I look for in a policy? Is there options on this type of policy, or is it what ever the company offers you? I figured the old folks home… Err nyspeed was clearly the correct place to seek my insurance question answers. ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [February 26, 2015, 7:55am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/2 "2015-02-26T07:55:32Z")
Is short and long term offered from your work? ---
**Author:** ![KuntryQuestTSi](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/kuntryquesttsi/32/5010_2.png) [@KuntryQuestTSi](https://forums.speedlife.net/u/KuntryQuestTSi)\ **Post date:** [February 26, 2015, 8:24am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/3 "2015-02-26T08:24:43Z")
No, we are given X amount of personal leave days a year. Those days roll over and can be saved up each year also. ---
**Author:** ![Onyx\_Z32](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/onyx_z32/32/7581_2.png) [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)\ **Post date:** [February 26, 2015, 8:44am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/4 "2015-02-26T08:44:07Z")
In NY employers are required to provide disability coverage. There _might_ be exceptions to this but that depends on the specifics of the company you work for. ---
**Author:** ![Blue\_Eyed\_Devil](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blue_eyed_devil/32/7292_2.png) [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)\ **Post date:** [February 26, 2015, 9:30am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/5 "2015-02-26T09:30:01Z")
If you were anything like some of my (past) employees you would limp into work Monday morning, say it happened at work and win the South Buffalo Lottery. Insurance fraud is a felony but it doesn’t seem to stop some people. Fuckers. But anyway… Can you get comp through a race team? Comp covers much more, doctors love it. Fuckers. ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [February 26, 2015, 9:40am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/6 "2015-02-26T09:40:48Z")
If you work doesn’t offer it I assume you’re looking for something like what Aflac offers? ---
**Author:** ![1QIKZ](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/1qikz/32/6112_2.png) [@1QIKZ](https://forums.speedlife.net/u/1QIKZ)\ **Post date:** [February 26, 2015, 10:37am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/7 "2015-02-26T10:37:09Z")
I have an accident policy through Combined. Had AFLAC before and they fucked me. I’ve never had to use my Combined policy. Not sure if that’s good or bad. If I read it, I’m sure there would be exclusions. If you’re intending to use this to cover you in the event of a “recreational” injury, I would say they would be charging you a premium. My take on any insurance is that they’ll gladly cover you for whatever you want…as long as you’re willing to pay. ---
**Author:** ![superfan99](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@superfan99](https://forums.speedlife.net/u/superfan99)\ **Post date:** [February 26, 2015, 10:43am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/8 "2015-02-26T10:43:47Z")
> [@Onyx Z32](#): > > In NY employers are required to provide disability coverage. There _might_ be exceptions to this but that depends on the specifics of the company you work for. NYS DBL only pays 50% of wages up to a max of $170 per week for up to 26 weeks. He’s going to want to get a supplemental plan. ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [February 26, 2015, 11:04am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/9 "2015-02-26T11:04:31Z")
:word: Supplemental with employers isn’t usually that bad I have no idea about getting it on your own though. ---
**Author:** ![superfan99](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@superfan99](https://forums.speedlife.net/u/superfan99)\ **Post date:** [February 26, 2015, 11:07am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/10 "2015-02-26T11:07:05Z")
You can get it through just about anyone that sells insurance. Usually guys that sell life can take care of it. Depending on the carrier you can sometime get a deal if you bundle life and ST/LT DBL. ---
**Author:** ![newman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/newman/32/7569_2.png) [@newman](https://forums.speedlife.net/u/newman)\ **Post date:** [February 26, 2015, 11:27am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/11 "2015-02-26T11:27:24Z")
> [@KuntryQuestTSi"](#): > > I will be holding nothing back this year. That leaves the fact that a serious injury is more likely than ever. I have nothing to help with your question but I do support this! :tup: (says the guy with the broken foot) ---
**Author:** ![KuntryQuestTSi](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/kuntryquesttsi/32/5010_2.png) [@KuntryQuestTSi](https://forums.speedlife.net/u/KuntryQuestTSi)\ **Post date:** [February 26, 2015, 11:31am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/12 "2015-02-26T11:31:26Z")
My parents ( sperated) each have a life insurance plan on me. Probably not a horrible idea. Yes something like aflac. I waa quoted once like $34 a month. I’m thinking if I need surgery or something and need to be out for 4-6 months or something. ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [February 26, 2015, 11:54am UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/13 "2015-02-26T11:54:26Z")
what sport is it that you do again? ---
**Author:** ![KuntryQuestTSi](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/kuntryquesttsi/32/5010_2.png) [@KuntryQuestTSi](https://forums.speedlife.net/u/KuntryQuestTSi)\ **Post date:** [February 26, 2015, 12:15pm UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/14 "2015-02-26T12:15:04Z")
I pretend I can ride atvs. ---
**Author:** ![newman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/newman/32/7569_2.png) [@newman](https://forums.speedlife.net/u/newman)\ **Post date:** [February 26, 2015, 12:18pm UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/15 "2015-02-26T12:18:45Z")
> [@KuntryQuestTSi](#): > > My parents ( sperated) each have a life insurance plan on me. Probably not a horrible idea. Yes something like aflac. I waa quoted once like $34 a month. I’m thinking if I need surgery or something and need to be out for 4-6 months or something. I was going to get one for myself, but none of them cover base jumping unless you got the plan before you started. ---
**Author:** ![KuntryQuestTSi](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/kuntryquesttsi/32/5010_2.png) [@KuntryQuestTSi](https://forums.speedlife.net/u/KuntryQuestTSi)\ **Post date:** [February 26, 2015, 12:20pm UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/16 "2015-02-26T12:20:59Z")
The first race isn’t till the end of April, so I’m hoping to get one before then. I’m not sure what they go by, I suppose you could base jump year round, but I haven’t done any races sense September. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [February 26, 2015, 12:34pm UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/17 "2015-02-26T12:34:29Z")
Paging @**[BOBBYGRV](http://www.nyspeed.com/member.php?u=991)** lol… Newman is too dangerzone for anyone to cover him. ---
**Author:** ![focusinprogress](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/focusinprogress/32/7227_2.png) [@focusinprogress](https://forums.speedlife.net/u/focusinprogress)\ **Post date:** [February 26, 2015, 12:40pm UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/18 "2015-02-26T12:40:55Z")
I got coverage through mutual of omaha after I bought my house. it’s about $31/mo for coverage in the event I hurt myself outside of work. Since I do occasionally race mt dirtbike and I do a fair deal of almost cutting digits off my hands in my shop I thought it was a fair amount to pay in case I ever do manage to dismember myself. coverage is based on your income. ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [February 26, 2015, 12:44pm UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/19 "2015-02-26T12:44:01Z")
how many more posts until this thread turns into a death pool game? ---
**Author:** ![BOBBYGRV](https://avatars.discourse-cdn.com/v4/letter/b/ed8c4c/32.png) [@BOBBYGRV](https://forums.speedlife.net/u/BOBBYGRV)\ **Post date:** [February 26, 2015, 12:54pm UTC](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763/20 "2015-02-26T12:54:13Z")
Thanks for looking out @JayS :tup: We were txting earlier, I really only handle DBL with the employers. Anything I sell would be through the employer, that they provide to the employees. DBL will pay up to 50% of your salary per week, up to $170 per week, unless the employer offers more than 1x statutory limits. If they do decide to offer 2x, it offers up to $340, while still maintaining the 50% rule. Anything other than 1x statutory is pretty uncommon because if they offer it to one, they have to offer it to all and it gets expensive. If a business is stocked with a lot of high salaried employees, they might offer higher because $170 per week doesn’t do much for those employees. I have an accident policy through Aflac, I think it’s like $3 per pay period. I used to have one with State Farm too. I’ve never used it, even though I could have when I wrecked my sled. It’s a pain in the ass to file the paperwork for it and prove medical bills and all that nonsense. I push enough paper on a daily basis, I just didn’t feel like doing it. That’s probably what they rely on… [Next page](https://forums.speedlife.net/t/school-me-on-disability-insurance/271763.md?page=2)