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Term Life America
Disability Insurance
888.587.8511 |
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Quote:
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Disability
Insurance
•
Term Life
Insurance
•
Long
Term Care
•
Health Insurance
Offering 29 years of disability
insurance underwriting experience!
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Disability Insurance
Purpose
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.
Q. If you cannot work
on a permanent basis,
what will
Social Security
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
Social Security.
More>
Q. If you collect these benefits,
do you have to pay
Income Tax on them?
A. Provided you
pay the premiums out of your own pocket on an after-tax basis, the
benefits are not taxable. However, 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.
More>
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Disability Insurance Quotes,
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Disability
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Occ - Any-Occ
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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
the industry!
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Lewis Fink is licensed as
insurance agents offering these benefits in the following
states:
Alabama - AL,
Arkansas - AR,
California - CA,
Colorado - CO,
Connecticut - CT,
Delaware - DE,
District of Columbia - DC,
Florida - FL,
Georgia - GA,
Idaho - ID,
Illinois - IL,
Indiana - IN,
Iowa - IA,
Kansas - KS,
Kentucky - KY,
Louisiana - LA,
Maine - ME,
Maryland - MD,
Massachusetts - MA,
Michigan - MI,
Mississippi - MS,
Missouri - MO,
Montana - MT,
Nebraska - NE,
New Mexico - NM,
New Jersey - NJ,
New York - NY,
North Carolina - NC,
North Dakota - ND,
Ohio - OH,
Oklahoma - OK,
Pennsylvania - PA,
Rhode Island - RI,
South Carolina - SC,
South Dakota - SD,
Tennessee - TN,
Texas - TX,
Utah - UT,
Vermont - VT,
Virginia - VA,
and
Wisconsin - WI.
Note: Not all companies may offer products in all states.
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, WA,
& WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC
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Term Life America.com
Disability Insurance
888.587.8511
9:00AM - 5:00PM
Mon. > Fri. E.T.
National Marketing
PO Box 30248
Charleston, SC 29417
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Systems Administration
607 Elmira Road, Suite 149
Vacaville, CA 95687
Copyright © 2005
All rights reserved
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