Do I need disability insurance if I have Workers Comp?
Yes, Workers Comp covers on the job injuries. Disability insurance pays when you get hurt off the job or have a illness that prevents you from working.
Whats the difference between short term and long term disability insurance?
Short term usually starts very quickly and pays for 3-6 months.
Long term picks up after 90-180 days and will pay for 12-60 months, or even longer.
What is a elimination period?
The number of days you are out of work before benefits begin to pay, typically 7 to 14 days.
What is a benefit period?
How long the plan pays benefits.
Can I get Social Security Benefits if I can’t work?
If you are deemed permanently disabled, you may qualify for Social Security Disability benefits. Know that the application process can take several months.
Where can I get disability insurance?
Disability insurance is offered through your employer group or private plans are available. We're happy to talk through your options.