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Disability Benefit Length - Short & Long Term Disability Protection Annandale VA

Some insurance policies will cover you for a lifetime after a disabling accident or illness. Other disability insurance will only cover you for some period of years before benefit's will cease.

Robin Wulff
7202 Arlington Blvd.
Falls Church, VA
Company
Title: Agent
Company: ABP Insurance Agency, Inc
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Washington State University - BA
Portland State University - MBA
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Years Experience: 20
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Life Insurance,Health Care Insurance,Long-Term Health Care Planning,Disability Insurance,Annuities

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Gordon Green
47218 Longwood Ct
Potomac Falls, VA
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University of Maryland College Park, MD Campus Bachelor of Science Degree
Years Experience
Years Experience: 15
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Annuities,Alternative Asset Class Planning,Commission-Only Financial Planning (Full Disclosure),Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Retirement Income Accumulation Planning,Hourly Financial Planning Engagements,Por

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Anthem Virginia Blue Cross Blue Shield Insurance Quotes
(703) 637-9940
1400 Spring Hill
McLean, VA
 
Sidney S. Markowitz, DDS, PC
(202) 833-8240
1145-19th Street, NW
Washington, DC
 
United Dental Corporation
(202) 861-0001
1629 K St., NW
Washington, DC
 
Martin Smith
4800 Hampden Lane
Bethesda, MD
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Title: President, Wealth Management Advisor
Company: KingdomTrust Capital Management, Inc.
Education
Howard University, Bachelor of Arts
Regent School of Divinity, Candidate: M.DIV
Denver College of Financial Planning
Years Experience
Years Experience: 15
Service
High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commi

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Virginia Health Insurance
(703) 451-1519
8229 Kings Charter
Burke, VA
 
GlaxoSmithKline
(703) 684-3979
227 North Royal Street
Washington, DC
 
Cosmetic Dentistry of Washington
(202) 296-8777
1145 19th St., NW
Washington, DC
 
Drs. Noguera & Russo, P.C.
(202) 861-0045
2021 K St., NW #522
Washington, DC
 
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Disability Benefit Length - Short & Long Term Disability Protection

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Disability Benefit Length

For Short Term Disability (STD) the benefit period is generally 6 months. Then your Long Term Disability protection takes over.

Here is where it gets tricky: your Long term disability benefit period will depend on your disability insurance policy. Some insurance policies will cover you for a lifetime after a disabling accident or illness. Other disability insurance will only cover you for some period of years (usually between 2 and 4 years) before benefit's will cease. At this point it is expected that you will have re-trained for work suitable to your new physical / mental capabilities.

You play the odds with this choice. Do you think you would be willing to be retrained for other work? Or is your work of the type that you think you could get back into even if you were disabled? Let's say you are a computer programmer - even if you lost the use of your legs permanently you would likely still be able to program. However, if you are currently a football player and you lost the use of your legs your career is over.

The type of disability insurance policy you pick depends on what you know about your own abilities, preferences and the kind of work you do. If it is physical work, you might want to consider a lifetime disability insurance benefit period, despite the higher cost.

Also read the other disability insurance guide pages: How Much Will Disability Insurance Cost , How Can I Reduce the Cost of Disability Insurance , What's in a ...

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