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Contact your states insurance department for more details about special conditions of programs in your state . Consumers may also obtain a wide variety of information from their state insurance department . In addition , there is a 10 percent penalty tax on such premature withdrawals , except in certain circumstances , such as disability or death . According to Western intelligence agencies , Khan sold Iran hundreds of aging centrifuges that helped Iranian technicians build a more advanced type , known as P-2 , an important step for enriching uranium and ultimately making nuclear weapons . Before signing an application for any insurance coverage , call you state insurance department and verify that the company and the agent you are dealing with are licensed in your state . Moreover , you may want to consider additional single-purpose policies like long-term care or disability income insurance . It answers some commonly asked questions and also includes thumbnail descriptions of other forms of health insurance , including hospital-surgical policies , specified disease policies , catastrophic coverage , hospital indemnity insurance , and disability , long-term care , and Medicare supplement insurance . However , it is important to remember that each of these options will have advantages and limitations , and no option will be right for everyone . See Companies approved to sell Medicare Supplement insurance to persons under 65 and on Medicare due to disability . Once a disability determination is made , you must give notice to the Plan Administrator ( in the former employer 's benefits division ) within 60 days of receiving the determination ( this increases the period of coverage to 29 months ) . This provision benefits everyone in the long run because it helps to keep costs down . Every state insurance department has personnel available to answer questions regarding home insurance coverage . nonsurgical services that are performed in a hospital , expenses for diagnostic X-rays and laboratory tests , and room and board in an extended care facility .