Disability insurance by top rated companies

                                                                                                              REQUEST A QUOTE !
                                                                                                Can You Preserve Your Way Of Life?

 Home     Companies And Product Benefits    Occupation Class Look Up     FAQ's      Illustrations Examples     Terms    Quotes

  Term Life America
     Disability Insurance

   888.587.8511

                                       Optional Benefits

   Quoting  Individuals I Executives I Physicians I Attorneys I Employer Groups      

    We offer 29 years of disability       
insurance underwriting experience!

Quote:

Disability Insurance
 

Term Life Insurance

Long Term Care  

Health Insurance

Disability Insurance,
America's Top Rated Companies>

   Analyze 
   Your  
   Needs!

   Match Needs
   To Benefits!


   Request A 
   Quote and 
   Apply!
 
  

 
...Need Help?
click here!


Disability

Insurance Can Save Your Life
The Whole Story!


To enhance your coverage and your ability to design specific benefits to your specific situation many optional benefits are usually offered .



Graded Lifetime Extension Benefit Period 
Very few policies will to offer a lifetime benefit period.

The benefit is consider at a percentage of the listed total benefit. This benefit is usually used when retirement planning is at issue.


Cost of Living Adjustment Rider>  A Very Important Addition
This is why a cost of living adjustment rider is an important benefit because it keeps your policy up to date with inflation.. 
 

Adjustments to the monthly benefit are generally made to the policy on an annual basis and usually begin after 12 months of disability and continue to age 65.

The adjusted cost of living increases are usually adjusted by using an indicator such as the consumer price index and are usually limited to a maximum increase of 3% to 6% choices of benefit increases.
 

COLA Increases Remain Upon Recovery 
The cost of living adjustment rider increase remain as part of the policy benefits when a recovery occurs. Some companies return the benefit amount to the original benefit amount.

Future Increase Option Rider

This is for income growth you may need in the future. It offers an opportunity to purchase additional coverage without providing evidence of health insurability.


Automatic Increase Rider
This is a way to keep your policy coverage in sink with your needs due to regular increases in income before you are disabled. Many companies have different definition as to amount of benefit, and to when and how, this benefit is applied.

Social Insurance Substitute Rider (Offset)
Since benefits from various types of  a social insurance substitute rider helps when social insurance may or may not be payable for a given disability. This benefit offsets the amount paid by social insurance.

Group Disability Insurance Replacement Rider 
This benefit replaces lost group disability insurance benefits when an insureds employment ends, or an employer ends, with replacement, a current group long term disability plan. Usually, no evidence of health insurability is required.

Unemployment Premium Waiver Option Rider
This amounts to a waiver of premium if the insured becomes unemployed. Other qualifications may apply, see policy benefit language.
 


   
 Related Topics 

                  Types of Disability insurance coverage   
                  Renewability  Provisions  
               
  benefits       
                   
 
  Definition of Total Disability   
                  Optional Benefits
                  Residual Disability Benefits   
                  Other Policy Benefits   
                  Terms
                  Occupation Definitions   
                  Occupation Class Look Up 
                                                                                   Next   ●  REQUEST A QUOTE !
              
                                                                                                              
                                                                                                                            
Return To Previous Page
 


 
Judging Benefits   Renewability Provisions   Definition of Total Disability   Residual Disability Benefits
                             Other Policy Benefits   Optional Benefits


About Us     Contact Us     Legal-Privacy Policy     Disability Needs Calculator     Site Map     Policies For Businesses    
News     Helpful Links      Social Security Disability     Disability Insurance Taxation     State Insurance Departments
 


Because paying for life's expenses are not always as certain as your responsibilities...
These top rated Disability Insurance Companies can all but alleviate the problem!

 

              
          

 


The Purpose of Disability Insurance
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 are permanently disabled and cannot work, what will Social Security 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 disability claims are rejected by Social Security. More>

Q. If you collect disability income 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, only the portion of the benefit that is attributable to your own contributions will be tax-free. More>


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 

NOTE: Portions of this site require Adobe® Acrobat® Reader(tm) version 5.0 to open them.
Please visit
http://www.adobe.com/products/acrobat/readstep2.html to download and install a free version.
 


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


Systems Administration
607 Elmira Road, Suite 149
Vacaville, CA 95687
 

disabilityinsurance.termlifeamerica.com
Copyright © 2005 
All rights reserved