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What is Disability Insurance?

Disability Income insurance pays the insured benefits if they cannot work due to an injury or illness. Some policies pay partial benefits if they are only able to work part time.

Disability insurance generally provides replacement of 65% to 75% of income.

Monthly Benefit

Monthly benefits will commence following the elimination period and will be paid for as long as the total disability continues, but no longer than the benefit period. In the event of multiple separate claims, each claim will have a full benefit period eligibility.

Up to $100,000 Monthly Benefit

Lump Sum Benefit

A lump sum payment will be paid if the insured person is permanently totally disabled. This benefit is often thought of as the career ending benefit to recoup the loss of future earnings. (Benefits can be up to ten times annual income.)

Waiting period for temporary disability
  • 60 day waiting period
  • 90 day waiting period
  • 120 day waiting period

Waiting period for permanent disability
  • After 12 consecutive months of disability
  • Up to 10 times annual salary

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