Can I get short term disability insurance to pay my mortgage if I have to have knee replacement surgery?

Question

My doctor says I need knee replacement surgery and I will be out of work at least 3-4 months in rehab. Is there any type of insurance I can get to cover my mortgage payments. I have insurance that covers my credit card payments but not insurance for mortgage. My job will pay me part of my salary while I am out, but it won't cover all my expenses. I have little to nothing in savings. If I can get this insurance how would I get a quote and how long would it need to be in effect before I can collect from it? Estimated, how much would it cost per month for the coverage?

Answer 1

No, it's too late now.  But anyway, you only collect the difference on the part your job pays you (likely STD) and 70% of your gross.   You don't get gross pay.

It's rated based on how much you make, and how old you are, and what kind of health you're in.  But again, it's too late to buy it now.  I'd suggest you postpone it as long as possible, and start saving.

Answer 2

Yes you can have short term disability insuarance for any medical requirement

Source:http://www.insuranceplan4u.com

Answer 3

There is a bunch of useful information like articles,pictures,videos here to help answer your quetion.

http://insurance.online-assistant.info

Answer 4

you have pre existing condition...no insurance available! sorry

Answer 5

I do not know much about short term disability but nowadays joint replacement does not put you out of work for that long. Where I work, we send them home after 2-3 days and have them start rehab the next. They are back to work in a month. My coworker was back after two weeks. You can try getting short term or long term disability during enrollment season...not in between. The cost per month depends on the coverage you want.