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Disability Insurance

A high proportion of Americans will experience a major illness during their working life. Despite the word, “disability,” this insurance should be viewed more as financial protection against loss of income from common but serious illnesses.

Some employers offer short term partial protection, and there is US government disability pay if you become severely disabled. However, that coverage would fall far short of your real earnings--whether you’re a truck driver, an IT professional or a salesperson. A disability Insurance policy is designed to provide the lost income you’ll need to keep paying all of the household bills while you get better. Like all insurance—it has to be put into action before you get sick.

Short-Term Disability (STD)

Short Term Disability Insurance can replace a portion of your income during the initial weeks of a disabling illness or accident. Policies can cover from the first 6 months up to a year of a disability, providing coverage during the waiting period of most Long Term Disability Insurance plans.

Coordination of Benefits This policy benefit will make up the difference not paid by other policies which supplement your income
Cost of Living Adjustment (COLA) COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index.
Residual or Partial Disability Allowing you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
Return of Premium Returns a portion of your premium if you do not exercise a claim

Long-Term Disability

Long Term Disability Insurance replaces a portion of your income during an extended period of a disabling illness or accident. By providing a steady stream of income while you are unable to work, Long Term Disability Insurance can help you meet your financial obligations.

Coordination of Benefits This policy benefit will make up the difference not paid by other policies which supplement your income
Cost of Living Adjustment (COLA) COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index.
Residual or Partial Disability Allowing you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
Return of Premium Returns a portion of your premium if you do not exercise a claim

Noncancelable

Noncancellable insurance policies give the policyholder peace of mind that the cost, amount of coverage and term are known and that s/he won’t have to re-qualify for the policy at some point in the future when his/her health might not be as good and insurance might be harder to qualify for.

Coordination of Benefits This policy benefit will make up the difference not paid by other policies which supplement your income
Cost of Living Adjustment (COLA) COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index.
Return of Premium Returns a portion of your premium if you do not exercise a claim
Residual or Partial Disability Allowing you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.

Guaranteed Renewable

Disability income insurance policies issued on a noncancellable and guaranteed renewable basis generally provide these two premium and renewability guarantees only until the insured's age 65. However, during that period, the premium is guaranteed to remain the same even if the insured changes his or her job to a more hazardous occupation. Giving you the kind of flexibility that life deserves.

Coordination of Benefits This policy benefit will make up the difference not paid by other policies which supplement your income
Cost of Living Adjustment (COLA) COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index.
Residual or Partial Disability Allowing you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
Return of Premium Returns a portion of your premium if you do not exercise a claim
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