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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.

Chubb, which is owned by Combined Insurance, has a very attractively priced short-term disability product that has no waiting (elimination) period for benefits to start in the event of sickness or accident.  It's designed for people who qualify for subsidies under the Affordable Care Act or who make slightly more than the highest income that qualifies for subsidies.  There's an electronic application process and liberal underwriting to qualify.  Virtually all self-employed people are eligible for this policy.  Please call us at 877-734-3884 for details and help in making application.

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.

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 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.