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Request An Affordable Care Act Quote!
Call today for quotes
on health insurance
for Medicare beneficiaries
or any other type of
health or life insurance!
Medicare Beneficiaries:
877-734-3884 (TTY: 711)
All Other:
786-970-0740 (CELL)
Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
Medicare-eligibles
or any other type of health or life insurance!

Medicare-Eligibles:
877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)

Short- and Long-Term Disability Insurance

Short- and Long- Term Disability Insurance

Short-Term Disability Insurance generally is available to pay benefits for up to 3, 6, 12, 18, or 24 months. This type of insurance is offered by specialty carriers as well as some of the traditional health insurance carriers.

Long-Term disability Insurance is available through many carriers. Eligibility depends on occupation and earnings level.

Both types of insurance are underwritten, and eligibility is based on medical history.

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).

Virtually all policies currently limit payments for disabilities based on mental or nervous disorders, usually to 24 months of benefits.

Failing to obtain ongoing medical treatment and returning to work may also terminate your benefits.

Disability insurance is not offered to Medicare beneficiaries.

 

What's Your Personal Disability Quotient (PDQ)?

Your PDQ represents your chances of becoming 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 you become disabled and are unable to work.

Contact Us For Information

Please call us at 786-970-0740 (cell) for more information and to obtain a quote for disability insurance.

Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (https://www.healthcare.gov).

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.


2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles that ran from October 15 through December 7, 2023 for a January 1, 2024 effective date has ended.

You’re eligible to enroll now ONLY if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D).

Call us at 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

More choices
Lower rates!
Calculate your health Insurance cost!
Get Rates & Plans
Or call today!
877-734-3884 (TTY 711)