|
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. |
|
Copyright 2004-2009 Direct Access Group Benefits, Inc. - All rights reserved
|
|
New & Noteworthy
|
|
Request a Quote Here!
|
|
New York State
Mandated Disability |
|
Answer a few questions and
we will provide you with a no
obligation to buy quote by
phone or email. Choose the
NY, CT, or NJ personal or
group insurance coverage
you're interested in from one
of the menus above.
|
|
Lowest Rates
|
|
"Your Local New York Disability Insurance Policy Specialist!"
|
|
Employee Benefits
|
|
Personal Insurance
|
|
Disability Insurance
|
|
"Over 15 Years
of Professional
Insurance Service"
|
|
Direct Access
Group Benefits, Inc.
340 Route 202
Somers, New York 10589
Toll Free: 1-800-498-1819
(914) 276-6000
Fax: (914) 276-6002
|
|
"Your Westchester County
Disability Insurance Agent"
|
|
We offer affordable short term and long term New York disability insurance policy
services to residents of the following New York counties and cities: Westchester County, Putnam County, Orange County, Rockland County, 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, Somers, 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, and Poughkeepsie, NY. |
|
We also offer affordable short term and long term disability insurance policy services to
residents of the following Connecticut counties and cities: Fairfield 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, and New Haven, 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 Disability Insurance agent specialist toll free at 1-800-498-1819 to discuss the features. |
|
(New York - Connecticut - New Jersey)
|
|
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 Disability Insurance agent specialist toll free at 1-800-498-1819 to discuss the features. |
|
(New York - Connecticut - New Jersey)
|
|
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!
|
|
Site Built & Maintained by InsuranceWebsiteServices.com
|