WHAT DOES DISABILTY INSURANCE DO?
It replaces most of your income in the event you are unable to work due to an illness or injury.
WHEN DOES IT START PAYING?
It is common for individual plans to start paying after a 90 day elimination period, although some plans will start after 30 or 60 days. (Longer waiting periods give you a lower price).
HOW LONG WILL IT PAY?
The maximum length of time that most policies will pay is 2 years, or 5 years, or to age 67. (Shorter benefit periods give you a lower price)
HOW "SICK" OR "HURT" DO I NEED TO BE?
The better plans will pay if are unable to perform the main duties of your occupation. Insured's with a hazardous occupations, or that require physical exertion, may have more stringent requirements.
HOW MUCH DOES IT COST?
The premium is determined by the factors above, as well as your age and health history.
Give us a call for your personal quote
770-401-2748
