Can my wife collect disability and keep her current health insurance coverage?
July 9, 2007 9:55 PM Subscribe
My wife has been too sick to work for the past five years because she has Cushing's Disease. Her parents own a small business, and my wife has been "working" for them to get health insurance coverage. We'd like for my wife to collect disability, but I don't know if it would be possible to keep her current insurance coverage and collect disability at the same time. Help?
posted by anonymous to Work & Money (6 answers total) 1 user marked this as a favorite
My wife had coverage as a dependent until she turned 21, at which point she couldn't remain on her parent's policy. At that time, they put her on the payroll so she could have her own policy. She doesn't collect pay from her parents, just the health benefits. They pay for her insurance from their own money.
We realized that my wife could be collecting disability, but I don't know how that will affect her insurance. My wife does meet the criteria for collecting disability benefits, but I'm worried about the insurance coverage. Would we be able to pay for her current insurance out of pocket if she stopped "working" for her parents? Would she have to go on some sort of state insurance plan? Does it cost more to buy insurance individually? We live in NJ. I'm not sure as to the legality of our current situation, so I'd prefer to remain anonymous. You can e-mail firstname.lastname@example.org if you'd like. Thanks in advance!