What is Disability Insurance?

It is found through many surveys that masses either not have or a little knowledge about short term disability (STD) or Long term Disability plan coverage.  As STD and LTD plans are one of those benefits that are very essential for a company to provide to its employees and you should be well wary of those benefits. So you should have a good knowledge of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).
Social Security Disability Insurance can be provided to you in case you have availed 40 quarters of Social Security Contributions and suffering from a disability. The Social Security Disability Benefits or SSDI are given to the persons who in recent times should have working experience of 5 years from total 10 years. It has special provision for the people working below the age of 31 years as they may have not much working experience.  According to federal Social Security Disability Act, “disability” means the “       “inability to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to last for a continuous period of not less than 12 months or result in death.”
Supplemental Security Income (SSI) is different from Social Security Disability Insurance in essence that it is funded by the general revenues of the Federal Treasury and is put forth with the objectivity of providing at least minimum level of income to persons who are aged, disabled, or blind and requires economic need. To qualify for SSI a person’s current resource limit for an individual is $2000 and $3000 for a couple.
Now comes for the STD, which is an insurance that is provided by an employer. This is insurance that is paid out in a certain amount of money for a short period of time in case of qualifying time for   sick leave, vacation time, paid time off and some other type of qualifying time.  The amount for STD ranges as equal to state’s unemployment payment, to a maximum of about 66% of base pay. LTD or long term disability insurance payment is provided when an employee goes into physical or mental illness that prevents an employee from performing the job for a longer period of time covering the point from commencement of illness. As STD there is also a qualifying period for LTD also. It happens to be of minimum of six months in case of LTD.

HIPAA to AID in Fake Doctor’s Excuse

So in order to get sigh of relief from over burdening of job pressure, it is not ill to seek refuge from the fake doctor excuse for unnecessary job pressure. Simply fake doctor excuse, relives you from the checkups from the company doctor’s whether to check out your medical fitness.
These fake doctor excuses one can get downloaded online and can be edited as according to one’s desire. And these fake doctor excuses to be passed out as original doctor excuses should have medical company’s logo. The chances of getting these fake excuses recognition from the HR department increases when they are backed up by a reputable logo backing it. And there should be address of the medical company that has issued you medical company logo and information.
The contact info should be consisted of address of the clinic, the name of the medical practitioner and contact number of the clinic for call verification. You should next mention of medical problem in form of simplest ailments like severe diarrhea and stomach discomfort without mentioning about the medical history in the medical note.
And above all it is the Health Insurance Portability and Accountability Act (HIPAA) that protects you from divulging any information to the company’s doctor. Under medical security act all information in the medical note is secret and protected and you can go for well deserved leave.

Online Medical Record Keeping Firms – Helping You to Get Organized

As to aid one in getting one’s medical records well aided and accumulated a number of online companies have come to fore front as with programs which allows a user to become more organized  and keep as much medical information as necessary for his or her medical records.

With the help of online programs it is expected that a number of prescriptions to diagnoses can be kept at home with online medical records however within the preview of HIPAA. These programs are easing task for Americans as now what they have to do is to provide their medical records and name of the doctors to the agency that can do entire task appropriately and according them.

This would help one to organize things in great way and manner as now the health records would be agency with an equal access between your doctor and you. And records for different ailments you would have at the same place, easy to diagnose with interconnectivity of medical records.

And as online sites do not come under the preview of HIPAA as an exemption to internet you can avail record keeping services from these online medical record keeping firms.

Vulnerability of HIPAA!

If you feel that your medial health information is kept and well protected then you are quite wrong as there is big possibility despite HIPAA being in force there are chances of information being freely flowing on Internet between public health officials, health care providers, insurance and data clearing house companies and others without your permission. So this is the best time to learn about federal health privacy law.

While visiting a health care provider in America you receive a form with a title such as “Notification of Privacy Rights” assuming information not is shared with any of the third party. However, neither the federal law nor form provides any grantee against proliferation of the information.

Instead privacy rule recognized under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) legally allows health care providers to distribute patients’ information with more than 600,000 health- and data-related entities – without a patient’s assent. Nor that is clearly explained in the notification form. The HIPAA notification does not have any control over information and it is merely formality just to tell who can access your information.

Therefore, the demand for strengthening privacy rule is raised by physicians and health care providers as HIPAA has failed to give complete assessment of the situation and confidentiality in terms of the health care records security.
HIPAA allows the routine release of personal health information without patient consent or knowledge, and even over a patient’s objection…” told Dr. Janis G. Chester, president of the American Association of Practicing Psychiatrists. Therefore a voice is rising in favor of health Internet Technology (HIT) bill to be considered in Congress.
If the medical data is not protected then there can be very serious consequences as making personal health information a salable commodity in the market place. The other bad aspect of lack of security in HIPAA is strained relations between doctors and patients. As there are cases reported when patient did not share their complete medical information with their physicians as they feel their privacy will get breached on the pretext of efficiency. Further more due to lack of privacy rule they even can not protect themselves from bad, stolen, lost and misused data.