Long-Term disability Insurance is available through carriers like Ameritas, Guardian Life, Illinois Mutual, Mutual of Omaha and Unum. Eligibility depends on occupation and earnings level.
The terms of your particular long-term disability policy will dictate how long your benefits continue. Although many plans pay benefits until age 65, others pay for a fixed number of years, often five or ten. If you become disabled after age 60, most plans allow you to receive benefits even after you turn 65 (usually up to the age at which you are eligible for full, unreduced Social Security benefits).
What's Your Personal Disability Quotient (PDQ)?
Your PDQ represents your chances of becomng seriously ill or injured and unable to work for an extended period of time. And with so much riding on your ability to earn an income, it's one very important number to know. To calculate your PDQ, you'll need to answer six simple questions.
Calculate Your Needs
You can use this simple tool from Life Happens to calculate the income you would need to maintain your standard of living if become disabled and are unable to work. needs.
Contact Us For Information
Please call us at 877-734-3884 for more information and to obtain a quote for disability insurance.