The most valuable resource that anyone possesses is their
ability to provide an income. If everything else that you own
or care about is insured and this ability is removed there may
be no way possible to pay the premiums on other insurance
or even to keep that which is insured. Disability insurance will
provide you with an income should you become sick or
disabled.
Click on the link above and fill out the form in order to receive
a disability insurance coverage quote. We forward your
information to a disability insurance agent in your area who
will contact you in a timely manner, usually within a few
hours, with a quote(s) by the method you request: email or
phone.
Our services are 100% free to you and we provide your
personal information to one insurance agent. We also require
that insurance agents do not share your personal information
to non-insurance related sources.
Receive disability insurance quotes if you reside in one of the states listed below:
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
**This page consists of general information on disability insurance coverage that you can fill out a quote form for on
InsuredInsuranceService.com. It is meant only to be a brief overview of what a disability insurance coverage represents. You should
always consult a licensed health insurance agent for complete details regarding any disability health insurance coverage you're interested
in purchasing.
Insured Insurance Service.com
Disability insurance quotes from local agents
Insurance Terms
Disability Insurance
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How It Works
Even with benefits such as Workers' Compensation and Social
Security, individual disability insurance benefits are still
important. A disability financially can be worse than death,
since living expenses continue and may increase due to a need
for expensive specialized care. Many people also purchase
disability insurance to help ensure a continuous income should
they suffer disabilities that are not covered by Social Security.
Individual disability insurance coverages pay a percentage of
your salary if you become temporarily disabled, meaning that
you are not able to work due to sickness or injury (excluding
on-the-job injuries, which are covered by workers'
compensation insurance).
Individual Disability Insurance Coverage Features
Disability insurance policies have a fixed monthly benefit that
does not increase with time, although you can purchase extra
coverage, or riders, that offer higher payment schedules.
Disability types include: Own Occupation - the inability to
perform the duties of your specific occupation or Any
Occupation - the inability to perform the duties of any job
for which your education and training make you qualified.
You can choose the length of the waiting period on your
disability insurance policy. Waiting periods can range from
one week to two years and the longer you wait the less your
disability insurance policy will cost.
Review the types of individual disability
insurance by clicking on a link below.
You also can choose the length of the benefit period, which is
how long you will receive monthly benefits once your disability
insurance policy starts paying.
Short term disability insurance policy is sometimes referred to as Accident and
Sickness insurance. It provides benefits for a limited period of time, typically 26
weeks or less. Short term disability usually provides coverage for accidents or
illnesses outside of work when Worker's Compensation insurance does not apply.
You would begin receiving money from your short term disability insurance policy
within 1 to14 days after becoming sick or disabled. The actual time for coverage to
begin depends on whether you suffer an illness or injury. If you suffer an injury, your
benefits will be paid immediately. If you suffer an illness, it will take longer because
there needs to be sufficient time to show that the illness is grave enough to be
disabling.
Click on the link below to fill out a quote request form for an Individual Short Term
Disability Insurance policy that will provide excellent disability insurance coverage.
You choose the amount of income (up to 66% of your gross income) from
$400 to $2000 a month when you can't work due to an accident or illness.
Benefit periods of up to 2 years!
Short waiting periods 1 to 14 days!
Long term disability insurance policy provides benefits for a limited period of
time, typically 2 or 5 years and is also usually guaranteed renewable until the age
of 65. Long term disability insurance usually provides coverage for accidents or
illnesses outside of work when Worker's Compensation insurance does not
apply.
You can begin receiving money from your long term disability insurance policy
when the "waiting period" time chosen for the policy is reached. Typically, 6
months to a year is chosen for a waiting period in order to reduce your premium,
but shorter times are available.
Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
You choose the amount of income (up to 66% of your gross income)
from $400 to $3000 a month when you can't work due to an accident
or illness.
No benefit reduction at age 65!
No restrictions on how the money is used!
$2,500 Accidental Death Benefit included!
24 hour coverage - on or off the job!
Guaranteed renewable to age 65
Short waiting periods 7, 14, 30, and 90 days!
Benefit periods of 2 & 5 years!
Click on the link below to fill out a quote request form for an Individual
Long Term Disability Insurance policy that will provide excellent disability
insurance coverage.
Click on the link above and fill out the form in order to receive
a disability insurance coverage quote. We forward your
information to a disability insurance agent in your area who
will contact you in a timely manner, usually within a few
hours, with a quote(s) by the method you request: email or
phone.
Our services are 100% free to you and we provide your
personal information to one insurance agent. We also require
that insurance agents do not share your personal information
to non-insurance related sources.
How It Works