9200 Corporate Boulevard, Suite 390
Rockville, MD 20850

Disability Insurance > Articles > Types of Coverage

Types of Coverage Articles


Individual Disability Insurance
by Steven L. Crawford

Is This A Product I Should Have?There is a legitimate argument that it may be the most important financial product you own. Too many people go through life without owning an individual disability insurance policy because they either rely on LTD through their employer, or they just never thought about …


Supplemental Disability Insurance
by Jack Le, CFP®, CLU®

Group LTD is a great tool for employers to have in their employee benefits package. This insurance will provide a valuable benefit for company employees. It will also attract new employees as well as help retain existing employees. Group LTD typically offer employees a 60% salary continuation in the …


What You Should Know About Your Group LTD
by Anthony Delvecchio

“I have group disability LTD through my employer. I don’t need an individual policy.” This is one of the most common statements I hear from people who think they have coverage at work. While group coverage through an employer has its benefits, there are some very important reasons …


Rely on Disability from Social Security?
by Jack Le, CFP®, CLU®

The Social Security Administration (SSA) offers disability income for those who are unfortunate enough to suffer a disability and have met the criteria to qualify for disability income. The eligibility criteria for disability income benefits from Social Security are that, due to a sickness or injury: …


Three Types of Disability Insurance
by Bill Olmsted

There are three main types of long term disability insurance – individual, group, and multi-life. Each has their advantages, and as a business owner, it’s important to know how to structure the best plan for your employees.  Group Long Term Disability Insurance (LTD) The most popular …


State Plans
by Bill Olmsted

There are a select few states that offer their own residents temporary disability insurance protection in the event an illness or injury disables and prevents them from working. There are a variety of questions that arise about how these programs actually operate and pay benefits.  - What will …


How to Protect Your Retirement
by Bill Olmsted

There are three ways to ensure that in the event that you become too sick or injured to work, your retirement plans are not derailed. Many physicians, attorneys, and professionals have purchased their own individual disability insurance to protect their income. In the event that they cannot do their …