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Individual Disability Insurance Coverage Features
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Even with benefits such as Workers' Compensation and Social Security,
individual disability insurance benefits are still important. A disability financially can be worse than death, since living expenses continue and may increase due to a need for expensive specialized care. Many people also purchase disability insurance to help ensure a continuous income should they suffer disabilities that are not covered by Social Security. |
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The most valuable resource that anyone possesses is their ability to provide an income.
If everything else that you own or care about is insured and this ability is removed there may be no way possible to pay the premiums on other insurance or even to keep that which is insured. Disability insurance will provide you with an income should you become sick or disabled. |
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Individual disability insurance coverages pay a
percentage of your salary if you become temporarily disabled, meaning that you are not able to work due to sickness or injury (excluding on-the-job injuries, which are covered by workers' compensation insurance). |
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Most disability insurance policies have a fixed monthly
benefit that does not increase with time, although you
can purchase extra coverage, or riders, that offer
higher payment schedules
Disability types include: Own Occupation - the
inability to perform the duties of your specific occupation or Any Occupation - the inability to perform the duties of any job for which your education and training make you qualified. |
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You can choose the length of the waiting period on your
disability insurance policy. Waiting periods can range
from one week to two years and the longer you wait the
less your disability insurance policy will cost.
You also can choose the length of the benefit period,
which is how long you will receive monthly benefits
once your disability insurance policy starts paying.
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Long term disability insurance provides benefits for a limited period of time,
typically 2 or 5 years and is also usually guaranteed renewable until the age of 65.
Long term disability insurance usually provides coverage for accidents or illnesses
outside of work when Worker's Compensation insurance does not apply.
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You can begin receiving money from your long term disability insurance policy
when the "waiting period" time chosen for the policy is reached. Typically, 6
months to a year is chosen for a waiting period in order to reduce your premium,
but shorter times are available.
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Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
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Click on the link below to fill out a quote form for an individual long term disability
insurance coverage that provides excellent insurance protection at an affordable
cost. Or speak with a Disability Insurance specialist at one of our Connecticut
locations to discuss the features.
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Short term disability insurance is sometimes referred to as Accident and Sickness
insurance. It provides benefits for a limited period of time, typically 26 weeks or
less. Short term disability usually provides coverage for accidents or illnesses
outside of work when Worker's Compensation insurance does not apply.
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You would begin receiving money from your short term disability insurance policy
within 1 to14 days after becoming sick or disabled. The actual time for coverage
to begin depends on whether you suffer an illness or injury. If you suffer an injury,
your benefits will be paid immediately. If you suffer an illness, it will take longer
because there needs to be sufficient time to show that the illness is grave enough
to be disabling.
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Click on the link below to fill out a quote form for an individual short term disability
insurance coverage that provides excellent insurance protection at an affordable
cost. Or speak with a Disability Insurance specialist at one of our Connecticut
locations to discuss the features.
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Answer a few questions and we will
provide you with a quote for the personal or group insurance you're interested in. Use the menu above to reach an insurance quote request form. |
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Copyright 2003-2007 Stamford Insurance Group - All rights reserved
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We offer affordable short term and long term disability insurance premiums to
individuals and families in the following Connecticut counties and cities: Fairfield County, New Haven County, Litchfield County, Middlesex County, New London County, Hartford County, Tolland County, Windham County, Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown, Springdale, Round Hill, Old Greenwich, East Norwalk, New Canaan, Glenville, Byram, Cos Cob, Mianus, North Stamford, Glenbrook, Wilton, Weston, Long Ridge, Noroton, West Norwalk, Westport, High Ridge, Southport, North Wilton, Winnipauk, Cannondale, Turn of River, South Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville, Redding, Topstone, Ridgebury, Redding Ridge, Branchville, Dodgingtown, West Redding, Titicus, Hattertown, Bethel, Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe, Bridgeport, Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull, Stratford, Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff, Devon, Lordship, and East Bridgeport, New Haven, Hartford, Torrington, Waterbury, Meriden, New Britain, New London, Norwich, Manchester, East Hartford, Suffield, Granby, West Haven, West Hartford, Branford, East Haven, Hamden, Woodbridge, Orange, North Haven, Groton, Rocky Hill, Newington, Wethersfield, Glastonbury, Bloomfield, Blue Hills, South Windsor, Naugatuck, New Hartford, Chesire, East Lyme, Old Mystic, Wallingford, Southington, Middletown, Bristol, Laurel Beach, Litchfield, Pleasure Beach, Mystic, North Westchester, Double Beach, Willimantic, Storrs, Canaan, East Windsor, Vernon, South Canaan, Putnam, Guilford, Windham, South Britain, Willington, Windsor, East Hampton, Brooklyn, and Westchester, CT. |
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"Your local Connecticut Disability Insurance agent specialist!"
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Site Built & Maintained by Insurance Website Services
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"Your Connecticut
Disability Insurance Agent"
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Connecticut Disability Insurance Specialists
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Connecticut Disability Insurance Policy Information
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Review the types of individual disability
insurance by clicking on a link below.
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You choose the amount of income (up to 66% of your gross income) from
$400 to $3000 a month when you can't work due to an accident or illness.
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No benefit reduction at age 65!
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No restrictions on how the money is used!
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$2,500 Accidental Death Benefit included!
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24 hour coverage - on or off the job!
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Guaranteed renewable to age 65
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Short waiting periods 7, 14, 30, and 90 days!
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Benefit periods of 2 & 5 years!
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You choose the amount of income (up to 66% of your gross income) from
$400 to $2000 a month when you can't work due to an accident or illness.
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Short waiting periods 1 to 14 days!
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Benefit periods of up to 2 years!
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Personal Insurance
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Disability Insurance
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Request a Quote Here!
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Now with 4
Connecticut locations!
Stamford
Cheshire
East Windsor
Groton
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22 Knapp Street
Stamford, CT 06907
203-359-0880
Fax: 203-359-9443
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1157 Highland Ave., Suite 109
Cheshire, CT 06410
203-250-1006
Fax: 203-250-0190
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84 Bridge Street
East Windsor, CT 06088
860-627-9418
Fax: 860-627-9213
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124 Fort Hill Road
Groton, Connecticut 06340
New London County, CT
860-445-8447
Fax: 860-446-0848
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Customer Service
(Personal Policies)
(203) 250-0186
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