In 2016, the Affiliation of Individuals Resident Abroad estimated that there have been 8.7 million U.S. residents had been residing overseasand the Social Safety Administration reported that greater than half one million folks residing outdoors the US obtain some kind of Social Safety profittogether with Social Safety Incapacity Insurance coverage advantages.
Though incapacity insurance coverage corporations don’t usually publish statistics relating to the variety of policyholders or candidates residing overseas, it’s protected to imagine that no less than a small share of U.S. residents residing outdoors the US are even be eligible to obtain long-term incapacity insurance coverage advantages.
As with most questions relating to long-term incapacity insurance coverage advantages, the reply is dependent upon the phrases of your insurance coverage coverage.
In case your coverage has a international residency restriction, you will not be eligible to gather advantages in the event you dwell outdoors of the US for a sure time frame (normally six months or extra), or your funds could also be restricted to a sure time frame when you proceed to dwell outdoors the nation.
International residency restrictions are widespread in group and particular person incapacity insurance coverage insurance policies, so you should definitely receive and thoroughly assessment your long-term incapacity insurance coverage coverage. You’ll be able to receive a replica of your coverage by contacting your employer’s human assets division or the insurance coverage firm immediately.
