New York Disability Insurance Information (also CT)
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.
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.
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).
Individual Disability Insurance Coverage Features
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.
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.
"Your Local Westchester County, New York Disability Insurance Agent Specialist!"
We offer reliable, experienced, and affordable New York disability insurance policy services to the following New York counties and cities: Westchester County, Putnam
County, Orange County, Rockland County, Somers, Port Chester, Harrison, Mamaroneck, Larchmont, New Rochelle, Yonkers, White Plains, Rye Brook, Scarsdale, Rye,
Ardsley, Hartsdale, Bronxville, Mt. Vernon, Mount Vernon, Irvington, Valhalla, Elmsford, Dobbs Ferry, Hastings on Hudson, Greenburgh, Tarrytown, Sleepy Hollow,
Hawthorne, Scarborough, Thornwood, Briarcliff Manor, Ossining, Harmon, Montrose, Crugers, Buchanan, Peekskill, Millwood, Pleasantville, Armonk, Chappaqua, North
Castle, Mt. Kisco, Bedford, Pound Ridge, Bedford Hills, Cross River, South Salem, Yorktown Heights, Goldens Bridge, Amawalk, Yorktown, Katonah, Salem Center,
North Salem, Croton Falls, Jefferson Valley, Shrub Oak, Palisades, Sparkill, Tappan, Orangeburg, Pearl River, West Nyack, New City, Nanuet, Chestnut Ridge,
Montebello, Suffern, Monsey, Spring Valley, Congers, Nyack, Rockland Lake, Wesley Hills, New Hempstead, Pomona, Sloatsburg, Ramapo, Hilburn, Willow Grove, Mt.
Ivy, Thiells, Tomkins Cove, Ladentown, Haverstraw, Stony Point, Tomkins Cove, West Haverstraw, Bear Mountain, Jones Point, Newburgh, Middletown, Brewster, New
York City, and Poughkeepsie, NY. We also offer disability insurance coverage services for residents of CT.
Review the types of individual disability
insurance by clicking on a link below.
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.
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.
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.
Benefit periods of up to 2 years!
Short waiting periods 1 to 14 days!
Click on the link below to fill out a quote request form for a short term disability insurance policy that will provide excellent disability insurance
coverage at an affordable cost. Or speak with our New York Disability Insurance agent specialist toll free at 1-800-498-1819 to discuss the
disability insurance policy features in more detail.
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.
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.
Hospitalization Rider pays up to double your benefit per month (for two months) if an injury or sickness puts you in the hospital!
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.
No benefit reduction at age 65!
No restrictions on how the money is used!
$2,500 Accidental Death Benefit included!
24 hour coverage - on or off the job!
Guaranteed renewable to age 65
Short waiting periods 7, 14, 30, and 90 days!
Benefit periods of 2 & 5 years!
New York Disability Insurance Quote
Click below to fill out a NY or CT quote request form!
Click on the link below to fill out a quote request form for a long term disability insurance policy that will provide excellent disability insurance
coverage at an affordable cost. Or speak with our New York Disability Insurance agent specialist toll free at 1-800-498-1819 to discuss the
disability insurance policy features in more detail.
New York Disability Insurance Quote
Click below to fill out a NY or CT quote request form!
DIRECT
ACCESS
GROUP
BENEFITS,
INC.
Employee Benefits Specialists
Call Us 1-800-498-1819
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With more than 20 years of offering affordable group insurance services to both large
employers and small businesses throughout New York, Connecticut, and New Jersey.
We're an independent insurance agency and therefore able to consistently offer cost
effective group insurance services which are driven by a total commitment to service.