When it comes to something as important as Disability Insurance you need to know the facts. The Disability Insurance facts can help you learn what is crucial about this type of coverage and can spark a conversation with an advisor to get you the best policy. Some of these facts may come to a surprise to you.

The Disability Insurance Facts You Need To Know

1. You have to be working to be covered.
2. You can’t already be disabled to be covered.
3. You need to take a blood, urine test, and have a physical when applying for coverage.
4. You can customize your own policy by working with a Disability Insurance advisor.
5. Once you are insured, you can cancel your policy at any time.
6. After you apply, it takes about a month to hear back.
7. The term “disability” can include illnesses, diseases, and other events that may prevent you from working.
8. Each insurance company is different.
9. Shop around to get the best policy for your needs. Don’t settle for what you are being offered at work.
10. Disabilities often lead people to foreclosure, debt, and maxing out their credit cards.

Make a Move

We believe these are some of the most important Disability Insurance facts you need to know. Speaking to an experienced and independent Disability Insurance advisor can help you figure out which kind of policy is best for you and your needs. It’s important to know that this kind of advisor does not work for any single insurance company. They shop around the insurance market to find you the best rates and coverage to what you need. They take into account your budget, lifestyle, and preferences.

Our advisors take the time to listen to your needs and find the best coverage for you. They take the time to answer all of your questions and concerns throughout the entire process. To speak to an advisor, give us a call at (800) 788-8921 or use our Contact Form to be connected to an advisor today!

A small business owner has worked hard and long to establish a business. They have invested a lot of time and money into a place to run their business, employees, training, equipment, materials, and developing their products and/or services. Many of these things may also require insurance as well. But, on thing that small business owners often forget to insure is themselves. Their ability to earn an income and run their business is a huge asset and should be protected with Disability Insurance for Small Business Owners.

Why is This Important?

As a small business owner, what would happen if you got hurt and couldn’t work and earn money? You  should supply yourself with the proper benefits and insurance as a business owner. Employees receive these type of things when they first are hired at a job, you should have them too.

Although it is hard to predict what the future may hold, illnesses, injuries, and accidents can keep you from running your business and earning an income. These events may take you away from work for weeks or months in order to recover and regain your health.

This is Disability Insurance for small business owners comes into play.

Benefits for Small Business Owners

While you are recuperating, you will continue to receive money. This money can be used for a wide variety of things:

1. Business expenses
2. Inventory expenses
3. Mortgage payment
4. Car payments
5. School payments
6. Groceries
7. Entertainment
8. Anything else

Without this cash flow, how would you pay for these things while you can’t work and run your small business?

Get Disability Insurance For Small Business Owners

Our disability insurance advisors can help small business owners insure themselves from a disability, injury, or illness that will keep them away from running their business.  This type of coverage will make sure that you receive money while you recover and recuperate your health.

Call us at 800-788-8921 or get connected with an advisor through our brief Contact Form. We look forward to insuring your future!

How much is Disability Insurance? This is a very common question when it comes to buying something new, but especially for Disability Insurance. Although most people may have heard of this type of coverage, most don’t know the ins and out about it. Many people view it as “just another insurance” or something that they will never need. But, as we all know, life can be very unpredictable. This type of insurance can be used when you are unable to work and earn an income due to an injury, illness, or disability.

What Do I Get With Disability Insurance?

The main benefit of Disability Insurance is you will receive money while you can’t work. You may not be able to work due to:

• A head injury
• Car accident
• Sporting accident
• Broken limbs
• Recovering from pregnancy
• Mental health issues
• Disability
• Etc.

While you are recovering, you will still continue to get money, which can be used to maintain the lifestyle you have. The money you get can be used for:

• Paying your mortgage or rent
• Child care
• Tuition
• Groceries
• Car payment
• Clothes
• Utilities
• Etc.

By having this money, you can continue to pay for life’s needs and wants for you and your family. This prevents the financial strain you may have felt from not working and not having Disability Insurance.

What Else Should I Know?

Disability Insurance has helped thousands of people from financial ruin. By receiving money, you are able to continue paying for your daily bills. This will prevent you from:

• Going into debt
• Losing your house
• Losing you car
• Borrowing from others
• Maxing out you credit cards
• Opening new lines of credit

How Much is Disability Insurance?

Unfortunately, Disability Insurance doesn’t have one fixed price. It varies from person to person. Insurance companies take a variety of things into consideration in order to come up with how much it will cost someone.

It is often best and highly suggested to work with an independent advisor. They are not loyal to any one company, and can hunt down the best prices and policies for you. We recommend choosing the insurance policy that fits your needs, budget, and lifestyle versuspicking a policy from a company you may have seen on tv.

How Is The Price Determined:

Insurance companies use some key factors to determine how much you should pay to be covered by Disability Insurance. They will look at things like:

• Your current and past health
• Your income and job
• Your lifestyle
• Your urine & blood sample result

After they analyze all of these things, they assign a risk value and then determine a price for you.

Connect With a Disability Insurance Advisor Today!

Our independent advisors have years of experience helping individuals and families insure themselves with Disability Insurance. An advisor can help explain policies, compare options and benefits, and answer all of your questions. In addition, our advisors can help you find out how much is Disability Insurance for your individual situation. Fill out our Contact Form or call us directly at (800) 788-8921.

 

Most people don’t know that Disability Insurance can cover you the time you are away from labor and delivery of childbirth as well as for pregnancy complications. Furthermore, most don’t know that the only way to get this coverage is through getting insured through your job. Unfortunately, these types of policies can’t be bought through independent advisors. This may present a challenge to some because not all employers offer short term disability for pregnancy insurance. So what should you do then?

Timing is Key

When woman starting thinking about getting pregnant, they may also start thinking about short-term disability for pregnancy. But, timing to both of these is key.

This is why:

If you want to get short term disability for pregnancy to cover normal childbirth, you have to get it through your work. But, if they don’t have it, you then have to ask for it. Timing is essential because your job may take anywhere from weeks to several months to officially have this type of coverage available to you. So that may or may not coincide with the timing of you becoming pregnant. These are very important things to keep in mind. But, you have to have the coverage before you become pregnant in order to be covered.

Short Term Disability For Pregnancy Through Your Job

If you ask your job to provide you with this type of coverage, keep this in mind:

• It’s considered voluntary
• It costs your job nothing to provide you this
• It’ll get deducted from your paycheck
• Plan ahead, get covered before you get pregnant

We Can Help You & Your Employer

Although we are independent advisors, we can help your employer learn about Disability Insurance for it’s employees. In addition, we can help your employer get great short term disability for pregnancy rates for you and it’s other employees. Contact us today by filling out our Contact Form or calling us directly at (800) 788-8921. We look forward to helping you, your employer, and fellow employees get insured with short term disability for pregnancy coverage.

Many employers offer their employees benefits as a part of their employment package. Some of the benefits might include paid vacation time, 401k, and retirement plans. But, an employer may also offer Disability Insurance, which some may interpret as a sign of a true caring employer. Disability Insurance makes sure that you still receive money while you can’t work (due to a disability, illness, or accident). An employer offering this type of coverage may want to make sure an employee is still financially able to provide for their family while they are not physically working. Employers who appreciate and love their employees will have this in their benefit package.

Your Employer & Disability Insurance

If you are currently employed and do not have Disability Insurance, you should get some immediately. This  can be done through an independent agent (recommended) or through your employer IF they offer it. If they do not, an independent advisor will be able to shop the market on your behalf to get you the best rates for your budget.

If you’d rather get it through your job, you can go to your human resources department and ask them to provide it to you. Many employers have provided if several employees express their interest. Your employer can then contact us to help the process get started. We will then be able to assess your needs and get you covered with Disability insurance for the protection of you, your family, and income.

Are you a Business Owner?

If you own a company or business, you can show your employees that you care about them by adding Disability Insurance to your benefits package. An independent advisor will be able to get you excellent group rates and can help customize a Disability Insurance package for your employees.

Your employees will be appreciative of at least having the option to have Disability Insurance coverage. If they are ever:

1. Disabled
2. Get into a car accident
3. Have a sporting accident
4. Have an illness/disease
5. Broken limbs
6. Other events would prohibit working

Ready To Cover Your Employees?

Our advisors are able to help working individuals, employers, and employees interested in coverage. We can help you throughout the entire process from customize your perfect policy to answer all of your questions.  Call us or contact us today to get started!