Individual Short Term Disability Insurance | Disability Insurance Quotes

Short Term Disability Insurance

NEW: Guaranteed Issue Disability Plan for Federal and Postal employees. Available in ALL states.

We offer Individual Short Term Disability coverage that you purchase direct (not through an employer).

Disability income insurance can replace a portion of your income if you get sick or injured and are unable to work.

Our insurance policies can help:

Provide monthly income to help maintain your way of life
Provide coverage up to $5,000 per month no physical exam
Be customized to fit your needs
Preserve your independence without relying on others
Protect your dreams and goals

Even if you have health or accident insurance, you may still have gaps in your coverage. Unlike regular health or accident insurance plans, short term disability insurance pays you a monthly benefit while you are disabled. It may also coordinate with benefits from Social Security or Workers Compensation.

Have you ever considered what would happen if you couldnt work because of an illness, injury, or pregnancy? Without a regular paycheck, you and your family could find it impossible to pay your rent, make mortgage or car payments, or even cover your utility and food bills.

Maybe you think that this cant happen to you. But studies have shown that almost 1 in 3 Americans become disabled at some point during their working years*. Thats why it may be a good idea to have disability insurance. If you are unable to work, disability insurance can help replace income, help you pay bills and protect your long-term savings.

Disabilities and short term disability insurance

A disability can mean any illness or injury that prevents you from working at your regular job or occupation for an extended period of time. These injuries and illnesses can occur on or off the job.

Short Term Disability insurance is a insurance policy that starts paying monthly benefits after an elimination period (the time between your injury or illness and the start of benefits). The amount of monthly benefits you receive depends on several factors including whether you are totally or partially disabled and the level of benefits you chose when you purchased your policy. Your benefits usually continue as long as you are under a physicians care and are unable to return to work (for the benefit period you chose when you purchased your policy).

Do you need short term disability insurance?

You may not need short term disability insurance if you have the financial resources to cover your bills over a 6 month period of unemployment. On the other hand, you should consider purchasing this coverage if:

You dont have emergency savings to see you through several weeks or months without a paycheck.
Your savings is earmarked for long-term financial goals.
You have large debtssuch as a mortgage, auto loans or credit card balances that require you to make regular payments.
You are your familys sole wage earner.
Your health or other insurance policies have high deductibles or require out-of-pocket payments.

Getting short term disability coverage

Your employer may offer short term disability insurance as part of your benefits package. Or it may offer you optional disability insurance if you want to make the premium payments yourself.

If you cant get short term disability insurance through work, talk to us. We can help you decide if you need this kind of coverage and if you and your family are adequately covered for the many unexpected events in life.

Long Term Disability Coverage

Long Term Disability coverage picks up where Short Term Disability stops. Let our Long Term Disability specialists provided you with a quote today on this much needed coverage. Complete the form to the right - Check "I need Long Term Disability Insurance" and one of our specialists will personally prepare quote for you.

Complete the following SECURE form for a FREE Individual Short Term Disability Insurance Quote

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I am interested in getting quotes on:

Individual Short Term Disability Insurance
I am a Federal Government or Postal Employee:	*Do not check if you are a state employee
I am planning a future pregnancy:
Number of Hours worked per Week:
Your Gross Annual Salary (net income if self employed):
Your specific occupation:	be specific
What industry do you work in?
I am Currently Pregnant:	If already pregnant, we do not have any coverage at this time.
How much do you need each month?	$
I want my benefit to pay for:
I currently have Long Term Disability Insurance
When does your current Long Term Disability Start? (elimination period)

I don't have Long Term Disability Insurance but want it:
Please list any pre-existing conditions and medications taken. For each medication, list dosage, condition you take it for, and when first diagnosed.

I am also interested in the following
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