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Insurance & Benefits

    Results: 16

  • Benefits Assistance (16)
    FT-1000

    Benefits Assistance

    FT-1000

    Programs that provide assistance for people who are having difficulty understanding and/or obtaining grants, payments, services or other benefits to which they are entitled by law. The programs may help people understand the eligibility criteria for benefits, the benefits provided by the program, the payment process and the rights of beneficiaries; provide consultation and advice; help them complete benefits application forms; negotiate on their behalf with benefits administration staff; and/or represent them in administrative processes or judicial litigation. Included are benefits counseling organizations that offer a range of advocacy services and legal aid programs that offer more formalized legal assistance.
  • Health Insurance Information/Counseling (9)
    LH-3500

    Health Insurance Information/Counseling

    LH-3500

    Programs that offer information and guidance for people who need assistance in selecting appropriate health insurance coverage and which may also answer questions about health insurance benefits and help people complete insurance forms.
  • Health Insurance/Dental Coverage (7)
    LH-3000

    Health Insurance/Dental Coverage

    LH-3000

    Organizations that issue insurance policies which reimburse policy holders for all or a portion of the cost of hospital, medical or dental care or lost income arising from an illness or injury.
  • Home Insurance (1)
    BH-3300

    Home Insurance

    BH-3300

    Programs that issue insurance policies to homeowners and renters to protect them from loss of property due to theft, destruction or the inability to meet mortgage obligations.
  • Medicaid (16)
    NL-5000.5000

    Medicaid

    NL-5000.5000

    A combined federal and state program administered by the state that provides medical benefits for individuals and families with limited incomes who fit into an eligibility group that is recognized by federal and state law. Each state sets its own guidelines regarding eligibility and services within parameters established at the federal level. Many people are covered by Medicaid, though within these groups, certain additional requirements must be met. Eligibility factors include people's age, whether they are pregnant, have a disability, are blind, or aged; their income and resources (like bank accounts, real property or other items that can be sold for cash); and whether they are U.S. citizens or lawfully admitted immigrants. Families who are receiving benefits through TANF and individuals who receive SSI as aged, blind and disabled are categorically eligible groups. The rules for counting a person's income and resources vary from state to state and from group to group. There are special rules for those who live in nursing homes, for people served under the Medicaid Waiver program, for people served by Program of All-Inclusive Care for the Elderly (PACE) programs and for children with disabilities living at home. Medicaid makes payments directly to a person's health care provider; and some recipients may be asked to pay a small part of the cost (co-payment) for some medical services. Most states have additional "state-only" programs to provide medical assistance for specified low-income persons who do not qualify for the Medicaid program.
  • Medicaid Planning (4)
    LH-4000.5000

    Medicaid Planning

    LH-4000.5000

    Programs that provide information for people who need to understand the options that are legally available to help them protect the assets of a spouse or child with a disability when a family member has a catastrophic illness and needs to have access to Medicaid to meet the expenses. Planning techniques may include spending down assets (e.g. purchasing an automobile or paying off the mortgage on a home), paying family members to provide care for the individual, separating a couple's assets to ensure that the healthy spouse does not become impoverished, transferring assets within legal timeframes, establishing joint tenancy accounts, purchasing annuities and other similar actions.
  • Medicare (2)
    NS-8000.5000

    Medicare

    NS-8000.5000

    A federally funded health insurance program administered by the Centers for Medicare & Medicaid Services (CMS), previously known as the Health Care Financing Administration (HCFA), for people age 65 and older; for individuals with disabilities younger than age 65 who have received Social Security Disability benefits for at least 24 consecutive months; and for insured workers and their dependents who have end stage renal disease and need dialysis or a kidney transplant. Premiums, deductibles, and co-payments or out-of-pocket costs are required for Medicare coverage. Special programs that assist with paying some or all of these costs are available for low income persons who qualify. Medicare has four parts: Hospital Insurance (Part A), which helps pay for care in a hospital or skilled nursing facility, home health care and hospice care; Supplemental Medical Insurance (Part B), which helps pay for doctors, outpatient hospital care and other medical services including the Medicare Preventive benefits (effective January 1, 2005); Medicare Advantage (Part C, formerly known as Medicare+Choice), which offers a variety of Medicare managed care options, including coordinated care plans and private, unrestricted fee-for-service plans, that are required to provide, at minimum, the same benefits as Part A and B, excluding hospice services; and the Medicare Prescription Drug Benefit (Part D, effective January 1, 2006), a program managed by private plans that assists in covering the cost of prescription drugs for beneficiaries. People who have Medicare Part A and/or Part B need to join a Medicare prescription drug program to obtain insurance coverage for prescription drugs.
  • Retirement Benefits (2)
    NS-7000

    Retirement Benefits

    NS-7000

    Public programs administered by retirement disbursement authorities that make monthly cash payments to eligible workers and their eligible dependents following retirement. The amount of the monthly check is based on the worker's earnings and the length of time contributions were made to the retirement program.
  • Social Security Burial Benefits (7)
    NS-1000.8000

    Social Security Burial Benefits

    NS-1000.8000

    A program administered by the Social Security Administration that makes a one time payment of $255 to help meet the burial expenses of a worker who dies with sufficient quarters of coverage. The lump-sum payment is in addition to any monthly survivors insurance benefits that may be due.
  • Social Security Disability Insurance (7)
    NS-1800.8000

    Social Security Disability Insurance

    NS-1800.8000

    A federal program administered by the Social Security Administration that provides monthly cash benefits for disabled workers who are fully insured under the program, who are not capable of substantial gainful work and who have completed a five month waiting period.
  • Social Services for Military Personnel (2)
    TM-8200

    Social Services for Military Personnel

    TM-8200

    Public or private organizations like the USO that provide adjunctive supportive services for military personnel throughout the world which may include information, opportunities for recreation and socialization, entertainment, emergency leave assistance, lost baggage assistance, travel information, visa and passport assistance and rest facilities for individuals in transit.
  • State Disability Insurance (4)
    NS-1800.8100

    State Disability Insurance

    NS-1800.8100

    A state disability program administered by the Employment Development Department that provides weekly financial benefits for covered employees who cannot work due to a medically certified illness or injury and who are not covered under Worker's Compensation.
  • State Unemployment Insurance (2)
    NS-9000.9000

    State Unemployment Insurance

    NS-9000.9000

    A state program with federal participation administered by the state employment agency or commission that provides weekly financial benefits for eligible unemployed workers for a designated period beginning with the filing of a first claim for the benefit.
  • State/Local Health Insurance Programs (13)
    NL-5000.8000

    State/Local Health Insurance Programs

    NL-5000.8000

    Programs that provide health insurance for people who do not qualify for Medicaid, do not have access to insurance provided by an employer or cannot afford privately purchased health insurance. Services covered by these programs vary by state but generally include hospitalization, physician services, emergency room visits, family planning, immunizations, laboratory and x-ray services, outpatient surgery, chiropractic care, prescriptions, eye exams, eye glasses and dental care. Other services may include alcohol and drug treatment, mental health services, medical and equipment and supplies and rehabilitative therapy. Eligibility requirements also vary. Included are state and/or local government health insurance programs which may be administered by the state or at the local level, and public/private partnerships between state and/or local government entities and health insurance companies or other private organizations. Health care is generally provided through participating managed care plans in the area.
  • Veteran Disability Compensation Benefits (2)
    NS-1800.9000-920

    Veteran Disability Compensation Benefits

    NS-1800.9000-920

    A program administered by the U.S. Department of Veterans Affairs that provides regular monthly payments to compensate veterans who are disabled by injury or illness incurred in or aggravated by active military service and discharged or separated under other than dishonorable conditions. Substandard care at a VA hospital that causes an injury may also be considered service connected. Payment amounts depend upon the percentage of disability. The Compensation Program also provides monthly payments, as specified by law, to surviving spouses, dependent children and dependent parents in recognition of the economic loss caused by the veteran's death during active military service or, subsequent to discharge from military service, as a result of a service-connected disability.
  • Workers Compensation (1)
    NS-1800.9500

    Workers Compensation

    NS-1800.9500

    A disability insurance program mandated by the state and funded by employer contributions which provides compensation to covered employees for loss of their earnings as a result of an accidental injury or occupational disease sustained during employment, or which compensates dependents in case of a work-related death. The program provides for income replacement and supplement; scheduled awards for loss of sight or hearing, dismemberment or disfigurement; medical expenses (including hospital care); vocational rehabilitation, occupational therapy and retraining to enable a possible return to the workforce; and funeral expenses.
 
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