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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, 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 …

Group LTD vs. Individual Disability Insurance
by Gary Fegan

There is not necessarily a right or wrong answer. Quite often the answer is a combination of both. There are numerous factors to consider, because there are big differences in both plan benefits and premiums. In many cases, the group LTD is paid for by the employer and may not be optional. If this …

Is Your Group LTD Plan Enough?
by Larry Laskin

For those fortunate enough to be covered by an employer-paid disability insurance plan, the majority believe that they would be adequately covered if they were to become sick or injured and unable to work. The sad truth is that most aren’t. How would you feel if you became disabled and found out that …

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 why you should consider …

Rely on Disability from Social Security?
by Jack Le, 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: 1. …

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 type for employees …

Short or Long Term?
by Anthony Delvecchio

Over the years I have sent out thousands of DI quotes to people across the country. Many times over, once a client reviewed the quote, the question I have been asked is, “is this short term coverage”. The answer in my case is always no. I specialize in long term disability protection. This article …

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 I get …