Get quotes and rates to find out what the monthly premium might cost. Premiums vary based upon the policy features you select: elimination period, benefit period, and monthly benefit amount. Your age, the state where you work, and the industry of your employer also factor into the equation.
Find alternatives sources of help if you are currently disabled or have an existing health condition.
Waiting periods are one of the most confusing concepts for applicants and policyholders. Short-term disability insurance works differently than many people want or expect.
Income protection works like any other insurance program. Once you need the coverage, it is too late to buy a policy. Act in advance of your need.
There are several types of individual disability insurance. One type is in very high demand and exists in an unlikely form.
Personal policies covering normal childbirth are very attractive, and can be purchased when offered at the worksite. Private plans sold directly offer convenience. Discover the type most suited to your needs
Applying for disability benefits after the delivery of your healthy baby is simple and easy. Download an express pregnancy claim form, have your doctor indicate the type of delivery and date of birth, and submit it to the carrier.
Women experiencing complications of pregnancy prior to delivery have more work to do. However, the effort is worthwhile. Coverage must start prior to conception.
When collecting disability benefits it is common for people to become concerned about their future income. Once they are able to resume working, they want to know they still have a job.
Disability insurance does not provide job protection. Several state and federal laws protect workers’ rights while away from work.
When employees make their annual benefit election decisions, they must make choose between pretax and post-tax payroll deductions. Pretax elections save money on the premium payments. Post-tax elections provide a tax-free benefit.
Post-tax elections are the best alternative for paying for short term disability insurance when you plan to utilize the benefit.
Social Security Disability offices across the United States refer many people to our website.
The majority of accidents and illnesses cause temporary disabilities, and are not covered by the government safety net. Social Security Disability covers only permanent disability, and they refer applicants here for help in applying for state disability benefits. However, only five states have programs covering temporary conditions.
Short-term disability insurance and the Family Medical Leave Act (FMLA) are sometimes taken simultaneously. People can easily confuse the two together, when they are completely separate and distinct.
One provides income replacement as a private insurance program. The other provides unpaid job protections as a federal regulation. There are other differences as well.
Online long-term disability quotes are available here instantly. See sample rates for several different policy configurations to compare estimated monthly premiums to different policy features.
There is no need to provide personal information for instant rates. Request personalized rates based by answering questions that are more detailed.
Disability insurance replaces a portion of income when the policyholder is unable to work. When policyholders are disabled, they often have extra medical expenses. A reduction in income could hurt.
Sometimes the recipient receives the benefit tax free, other times the amount is taxable. When the benefit comes tax free, the net amount is often close to regular earnings.