According to the Centers for Disease Control and Prevention, In the United States alone, more than 600,000 citizens die of heart disease on an annual basis. Also, more than 700,000 people suffer from heart attacks annually. These statistics tell us that short term insurance policies don’t provide coverage for the lost income after a person […]
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If you can’t work due to an injury or illness, your stream of income will also be suspended. As a result, you won’t be able to pay your bills or make payments for mortgage, credit cards and cars, just to name a few. Although you can benefit from workers’ compensation, it will only be offered […]
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If you face injury on the job, you may receive workers’ compensation. However, an injury that may keep you off the job for a prolonged period may qualify for employee benefits over a long period. Therefore, you should get a long term disability insurance quote. Let’s find out more. It can be frightening as well […]
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Often, group disability insurance policies are quite affordable. In most cases, it’s subsidized by employers. But the downside is that these policies don’t offer enough coverage. If you are injured or sick, you may not be able to work. In this case, your disability insurance will compensate you through monthly benefits. You can purchase group […]
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Today, if you are looking for an affordable short term disability insurance, you can choose from different types of insurance policies, such as auto insurance, home insurance, life insurance and health insurance, just to name a few. But there is a new type of policy that you may be not be aware of. It’s known […]
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If you don’t consider disability insurance for individuals, you won’t be protected against long-term financial issues due to injuries or illnesses. Let’s find out if you really need this type of policy. Long-term coverage First of all, if you need coverage for less than a year, your social security disability won’t benefit you. Also, being […]
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At some point in your life, you may realize the importance of disability insurance for professionals. Unfortunately, the major people realize it only after they suffer from a disability due to an accident or illness. Another thing that keeps them from buying disability insurance is the cost of the policy. Let’s get into details. Graded […]
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The role of a physician is to make sure their patients get the right treatment and stay healthy both physically and mentally. However, they ignore their own health status despite the fact that they must be protected financial. Like other people, they may get injured and go out of work for several weeks. Some of […]
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Since the future can’t be predicted, it’s important that you get ready for what you may face down the road. If you want to be on the safe side, you may consider disability insurance for individuals. In this article, we are going to discuss 10 tips that can help you get a better understanding of […]
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All of us face different types of unforeseen events in the form of an illness or accidents at some point in our lives. This is the reason people go for personal disability insurance. If you are not familiar with this type of insurance, you are on the right page. Let’s find out more. What is […]
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These days, if you get a long term disability insurance policy, it will provide coverage for several years to come. This can happen only if you continue to make your premium payments. As a matter of fact, long term disability insurance policy is quite reliable. In other words, it can help you deal with your […]
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Group disability insurance benefits are offered by employers. Most employees don’t question these benefits and accept them as they are. First of all, keep in mind that this type of insurance is not a high-quality income protection. But the good news is that group disability insurance companies charge lower premiums in case of group insurance. […]
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Disability income insurance is a source of supplementary income if the policyholder gets involved in an accident or falls sick. Typically, the benefits include part of the monthly salary of the policyholder. As a result, the insured individual can maintain their standard of living and made routine expenses. We are going to talk about disability […]
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If you work for a company, you may be wondering whether your company offers affordable short term disability insurance or a long-term one. In this article, we are going to going to understand the difference between the two. Let’s get to the point. What Is Disability Insurance? As the name suggests, disability insurance is offered […]
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Before looking for your disability income insurance quotes, it’s important to do your research and get some important questions answered. For that, we have listed some of the crucial information we get asked about by clients asking about their disability income insurance quotes. How to calculate the amount of coverage you need To check how […]
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While many companies offer different types of disability insurance, you can’t always find affordable short term disability insurance. And considering how many injuries happen both during work and outside it, it’s definitely something almost everyone, if not everyone, should include in their life. Workers’ compensation is not enough Why does everyone need affordable short term […]
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Among the hundreds of insurance companies and the different disability income insurance quotes they offer, it can be difficult to find one that fits your financial and lifestyle needs. However, there are a few characteristics and factors you should look at when analyzing the disability income insurance quotes. How long is the benefit period? Logically, […]
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You may have heard of disability income insurance quotes but haven’t understood why all the fuss about them exists. There is also a slight chance that you have never heard of disability income insurance quotes at all. Whatever the case may be, in this time and circumstances, it’s important, if not essential, to know what […]
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Insurance can be seen as a tool that helps protect people against potential financial losses, damages, and costs associated with events that were not expected. Insurance is defined as a mechanism of spreading the risk of loss through a pooling mechanism by providing protection against a predictable event that came rather unexpectedly. Why Personal Disability […]
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If you depend on your income to pay the bills, you should seriously consider purchasing personal disability insurance. The insurance companies offer these options so you can still pay your bills by replacing the portion of your income. However, let’s talk about group disability insurance a little. In general group disability insurance is also a […]
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Most people insure their material possessions, such as cars and their homes. However, many of these people don’t insure the most valuable asset: the ability to work and earn income. Consider this; if you become sick or get injured and can’t work, you won’t be able to pay your bills and won’t keep up your […]
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The Risk of A Disability Data from the Council for Disability Awareness shows that one in four 20-year olds will eventually become disabled before they enter the retirement phase of their lives. The type of disability could be related to an injury or a less-serious and temporary illness. Still, they will qualify as unable to […]
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Short-term disability is a private insurance program where employees have to be covered by the policy to use the benefits. Employers can offer affordable short-term disability insurance to employees as a work benefit, but employees can purchase individual disability insurance elsewhere if needed. Requirements For Short-Term Disability Insurance Most employees qualify for short-term disability insurance, […]
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Radiologists often wonder if they could continue to pay their monthly expenses if their income ended due to an accident or injury. We’ve compiled this short FAQ guide to disability insurance for radiologists to help answer your questions. What are typical maximum monthly benefits? Insurance companies will allow you to buy a maximum monthly benefit […]
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As we discussed in a previous article about disability insurance rates for cigarette smokers, premiums for disability insurance is based on your risk of future illness. Since smoking is the cause of many illnesses which would lead to a disability insurance claim, smoking will typically increase your disability insurance rates. The following frequently asked questions […]
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The Need For High Income Disability Insurance Have you ever stopped to think about how much your lifestyle would change if you were unable to work? Facing the fact that a disability could happen to anyone at any time is difficult but necessary. The financial loss caused by a disability can be devastating. Even high-net-worth […]
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When do benefits begin? Most plans have a specified waiting period after an illness or injury before payments begin. We can discuss various plans and rates and help you find one that meets your needs. How long do benefits last? Several short and long term benefit periods are available to choose from. How much […]
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Have you recently been through bankruptcy? If so you may have found that it’s harder to buy a disability insurance policy. If so perhaps we can help. We work with multiple disability insurance providers, and some of them will insure people who have been through a recent bankruptcy. Give us a call or use the […]
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Have you been denied a disability insurance policy because you’re in a high risk occupation? If so, contact us and we might be able to get you the disability insurance policy and coverage you need for your high risk job. Disability insurance companies often choose not to insure workers with dangerous jobs, because of the […]
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Do disability insurance companies charge higher premiums to cigarette smokers versus the rates they offer to non-smokers? Yes, although you might be surprised to find out that smokers disability insurance policy rates are not all that higher than rates for non-smokers. One of the factors disability insurance providers consider in setting premiums for disability insurance […]
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Many people feel that since they have their homes and cars insured that they are covered for any mishap that may effect their lives. However, what they often don’t consider is properly insuring what pays for those things—their paycheck. Your paycheck is your most valuable asset, and just as you insure your other valuables, you […]
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Since May is Disability Insurance Awareness Month, it is a good time for employees and employers to evaluate their disability insurance needs. A long-term disability insurance policy is an important option for employees, and can be a great tool for employers to find and retain the best team members in their organization. Most small companies […]
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Is your law firm prepared to survive a personal crisis, which leaves you or one of the partners disabled? If you’re not sure, then it’s time to take steps towards making a plan, and buying the appropriate coverage. Along with seeking advice from a professional, here’s a quick list of things you can do to […]
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If you’re a self-employed contractor that receives a 1099 form from some of your clients, disability insurance should be an important component of your financial plan. It’s no longer true that only people working at large companies can get adequate coverage. Disability insurance may be tough for independent contractors to secure, but an agent that […]
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The “average Joe” insures his home and car, but does not think beyond in scope to insure any more than that. Unlike you, however, Joe has not attained his medical degree or built a career path as disciplined as you. Don’t be average. Be safe. Did you know that sudden and prolonged illnesses or injuries […]
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Common misconceptions about disability insurance can cost you a great deal of money. It’s not surprising with the confusing language used in insurance policies. The following article about the most common disability insurance misconception should help shed light on what might prevent a major loss to your financial portfolio. My Employer’s Disability Insurance Will Cover […]
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Insurance clients often ask whether they have too little, too much, or the right kind of life insurance, but they often don’t consider how they would get by financially with no income due to a long-term or short-term disability. In fact, disability insurance is as important as life insurance, and in some cases, even more […]
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You may not realize it, but three in ten workers entering the work force today will become disabled before retiring. Social Security Administration, Fact Sheet January 31, 2007. It is traumatic enough to suffer from an injury or illness, but when you add in the fact that even a short term disability can ruin your […]
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