Disability insurance by top rated companies

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                   Union Central

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   We offer 29 years of disability        insurance underwriting experience!

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Disability

Insurance Can Save Your Life
The Whole Story!


Founded in 1867, the Ohio based, Union Central Life Insurance Company is among the 10 largest mutual life insurance companies, (per *Vital Signs, May 1, 2004)  in the nation. Union Central Life has all definitions of disability that the major carriers offer, including true Own Occupation coverage to age 65 available dependent on the client's occupation.


Union Central Offers Innovative Choices In Designing Disability Insurance Coverage! 

  • Individual, Business Overhead, GSI, and List Bill contracts available.
  • Non-Cancellable and Guaranteed Renewable contracts to 65, and conditionally renewable for life.
  • Unique product features to UCL: Reimbursement of medical expenses for non-disabling injuries and elimination period reductions over time.
  • Fair and Flexible Underwriting.  We strive to get your business through as cleanly and effortlessly as possible.
  • Excellent turn-around times.
  • Strong Medical Market offerings.

    Individual Disability Income Products

    Individual DI Non-Cancelable Series:
    Occupational Classes 5AP-2A

    This policy is designed to provide income replacement benefits to insured individuals working in professional, white collar and gray collar technical occupations. This policy cannot be cancelled as long as premiums are paid and premiums are guaranteed as stated in the policy. The coverage is guaranteed renewable to age 65. Beyond age 65, the policy is renewable for life, as long as the policy was in force the prior year and the insured is gainfully employed. Premium rates after age 65 are based on the rates in effect for such ages.

    Non-Cancelable Series: Home Provider Policy

    This policy is available to all non-cancelable occupational classes and can be used as a low cost, catastrophic type of disability income coverage. This is not available for Employer-Sponsored Plans. However, it was primarily designed for qualifying at-home occupations. Beyond age 65, the policy is renewable for life, as long as the policy was in force the prior year and the insured is gainfully employed. Premium rates after age 65 are based on the rates in effect for such ages.

    Guaranteed Renewable Occupational Classes A, B

    This policy is designed to provide some income replacement benefits to insured individuals working in occupations such as skilled technician, on-site supervisor, manual laborer and some unskilled trades. This policy cannot be cancelled as long as premiums are paid. Insureds can renew each year before age 65. Beyond age 65, the policy is renewable for life, as long as the policy was in force the prior year and the insured is gainfully employed. Premium rates after age 65 are based on the rates in effect for such ages.

    Business Disability Insurance

    Disability Overhead Expense: Occupational Classes 5AP-3A

    This policy provides coverage designed to reimburse owners of small businesses (sole proprietors, partners of closely held corporations), operated from a location away form the home. For normal and customary expenses necessary to maintain the business. This policy cannot be cancelled as long as premiums are paid and premiums are guaranteed as stated in the policy. The coverage is guaranteed renewable to age 65. Beyond age 65, the policy is renewable for life, as long as premiums are paid, insured is gainfully employed at the usual occupation at least 30 hours per week, and insured is responsible for the expenses of maintaining the business or office. Premium rates after age 65 are based on the rates in effect for such ages.

    Group Disability Insurance

    Employee-Sponsored Multi-Life Plans

    Designed to provide income replacement benefits to a group of insured individuals working in professional and executive occupations within the same employer. A major feature of this program is the availability of Guaranteed Issue underwriting for groups meeting certain criteria. This program is not available to medical occupations. The program can be offered on either an employer-paid or voluntary basis.

 


   
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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 

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Disability Insurance


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