the Short Term or For The Long Term,
Disability Insurance Can
Preserve Your Way Of Life!
True! If you are under the age of 35, there is a 1 in 3 chance that
a disability will last for at least six months!
During your working years, women have a 54% chance and men have a
43% chance of a serious disability! At 45, your chances
of a disability are four times greater then death!
Because paying for life's expenses are not always as certain as your
responsibilities... We offer, 30 plus years of experience, "Cost
Effective Choices" and "Personalized Service." These top rated
companies can all but alleviate your income continuation problem,
while offering some of the best definitions, and lowest premiums in
Top Rated Disability Companies
Long Term and Short Term Disability
What It Is
Disability insurance was created to
insure you for a disabling sickness or injury, these plans will provide
an individual the ability to continue their standard of living. They are
designed to replace up to 60% of taxable income.
As you can observe above, there are a significant number of carriers
available to search out the best occupational definitions, and
occupational rating classes for your particular profession.
If you cannot work
on a permanent basis, what will
Disability Insurance cover?
A. Social Security has a cap on the amount
of benefits you'll receive. In most cases, there will be a 5-month
waiting period before eligibility, plus another 7 months before you even
receive a benefit check. In addition, 56% of all claims are rejected by
If you collect these benefits, do you have to pay
Provided you pay the premiums out of your
own pocket on an after-tax basis, the benefits are not taxable.
if premiums are deducted from your paycheck on a pre-tax basis such as
in a Section 125 cafeteria plan, benefits will be taxable. If your
employer pays part of the premiums, therefore, only the portion of the
benefit that is attributable to your own contributions will be tax-free.
Not all insurance products from all insurance companies are available in
Note: We do not
provide legal or tax advice. The general information presented
on various tax aspects contained in this site are not intended
to be relied upon as tax advice. Individuals should seek the
advice of a qualified tax professional regarding the taxation of
these benefits as they apply to your particular situation.
These benefits are
offered in all states except: AK, HI,
& WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC
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