Disability Insurance For The Long Term
|
Disability insurance covers you for an extended period of time. Should you be injured or take ill and as a result be unable to perform the duties of your employment, you will be covered under short term disability, then long term disability insurance will cover you. The coverage can be for a period ranging up to five years or until the disabled individual turns sixty five.
Long term disability insurance is often provided by your employer as part of your benefits package. If you purchase it on your own, the benefits are tax free.
Disability insurance on an individual basis makes great sense as if involved in an accident you are more likely to be disabled than die. Therefore it can be argued that it makes more sense to buy long term disability insurance than life insurance.
Disability insurance policies differ from one provider to the next. It is important that you do your research and find the disability insurance policy that best meets your needs with the insurance company that you trust the most. Insurance companies, through an independent insurance broker, will gladly offer you disability insurance quotes free of charge. You can get quotes online now which is the easiest way as you are not being pushed by an agent.
It is important to purchase your insurance from a company that you trust, because you need the company to be there if you need them. When you get your quotes, be sure to ask questions about the company and the specifics of the policy. Disability insurance needs to be tailored to meet your needs and complement any existing insurance policies that you may already have. Again, be certain that you are buying the plan that meets your needs completely.
Probably the most important thing for you to do, is to read all the provisions of the policy before you buy it.
Ivon T. Hughes, The Hughes Trustco Group Ltd.
Online Insurance Broker - Get a FREE Quote TODAY!
Tel: (514) 842-9001
Email: info@trustco.ca
Web: http://www.hughestrustco.com
|
|
|
How To Get Cheap Whole Life Insurance Quotes
Whole life insurance quotes the most expensive kind of policies that are on the market due the fact of cash value over time. Whole life insurance is permanent life insurance coverage that lasts as long as you live and continue to make ontime premium payments. The reason that whole life insurance quotes are so much more expensive is due to the fact that the policy will have to pay out a death benefit when you die.Whole life insurance quotes are available online from many insurance companies that have ...(related: Insurance)
What Type Of Doctor Should I See Under My Hsa?
You can withdraw money from your Health Savings Account (HSA) to visit an MD, DO or a chiropractor.Since you will be writing a check or using your debit card to pay for these visits at the time of service, you will really notice how much it costs. Since you have a high-deductible...(related: Insurance)
Home Insurance: Premium Protection In Case Mishap Takes A Rain Check
My whinstone house my castle is, I have my own four walls.This is truth for every home owner. Your home, your castle, your prized possession, your territory - which is certainly more than four walls. You would do anything to protect it against damage and injury. Damage and injury? Is that too dark a statement? Perhaps. But it is also very probable. Mis-happenings and accidents are things that don't have an allotted time slot. Nobody can calculate their coming and neither be prepared for it. You cannot be equipped to tackle them head on but you can certainly equip your self for the repercussions. Home insurance are practically formulated for the said purpose, something that is unlikely you have not heard about. It is also unlikely that you have...(related: Insurance)
How Is Your Auto Insurance Policy Price Determined?
The average auto insurance policy price is derived from a variety of factors. Many of these variables are common knowledge and make sense for the most part but it's always a good idea to refresh yourself with what insurance companies are looking for when determining how much your coverage will cost.Driving Record ? Your auto insurance policy price is determined from 6 major areas. The first is your driving record. The key thing to remember is the better your driving record the lower your total cost to insure your automobile. This would include auto accidents, speeding tickets and believe it or not if you've gone without insurance for several years. The good thing is that you can directly control many of these factors. Concentrate on keeping a clean driving record and this area shouldn't cause your rates to be outrageo...(related: Insurance)
Underwriting Life Insurance For Diabetics And Diabetic Life Insurance Information
Life Insurance Companies differ in their "underwriting philosophy" when it comes to diabetes. Offering life insurance for diabetics can be risky if the underwriters are not fully trained. Underwriters at the insurance companies that are fluent in underwriting diabetes have the ability to look at all of these factors and determine if the company will accept them as a risk. Moderately controlled diabetes cases would usually merit a "rating" or an increase in the premium, but not necesarily a declination for coverage. If the client with diabetes that is looking f...(related: Insurance)
Discount Life Insurance Will Give You The Best Protection You Need
There is always a chance that there is a better deal somewhere else, no matter what you are buying. That is why you should research and find discount life insurance. Did you know that life insurance ...(related: Insurance)
Online Insurance Quotes California Auto
Finding insurance quotes for California auto is now pretty easy. There was a time where finding auto insurance at a price we were willing to pay took a lot of driving and calling around. You'd select different agents that represented different companies, ca...(related: Insurance)
An Intro To Life Insurance
There are many options available for life insurance, and for most people these options can be somewhat confusing. Below is a brief review of each type and some advantages and disadvantages of each. When choosing a policy it is important to look at the larger picture so that you make a wise choice in terms of cost, coverage and benefits.Term life insuranceThese plans provide monetary benefits only if death occurs within the time period ...(related: Insurance)
Six Ways To Cut The Cost Of Your Auto Insurance
Is your auto insurance bill $12000 a year or even higher? It's not unusual for auto insurance to cost this much these days. But it doesn't necessarily have to cost this much. There are ways to reduce these costs. It might take a bit of work but it is possible to cut that insurance bill by a substantial amount.Tip #1: Get at least three price quotes. You can call companies to get quotes or get them directly via the Internet. You can also call your state insurance department, as it may be able to provide you with a comparison of prices charged by the major carriers in your state. Also, get price quotes from different kinds of insurance...(related: Insurance)
site-map - Copyright © 2006 Insurance | All Rights Reserved. | Insurance