Articles Editor's Blog Reader Mail

Disability Benefit Length - Short & Long Term Disability Protection Dodge City KS

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.

Bauer Betty
(913) 837-2289
PO Box 250
Louisburg, KS
 
Best Benefits 4 You
(816) 590-0710
13214 W 107th Ter
Lenexa, KS
 
Michael R Gage Agency
(913) 557-5000
1009 Baptiste Dr
Paola, KS
 
Dynasty Financial Group
(913) 837-8439
1007a W Amity St
Louisburg, KS
 
Farmers Insurance
(913) 294-5827
607 Baptiste Dr
Paola, KS
 
Allstate Insurance Companies
(913) 837-2357
119 S Broadway St Ste 102
Louisburg, KS
 
Jerry Jones, J.D., CFP(R)
(316) 262-5015
400 N. Woodlawn, Suite 16A
Wichita, KS
 
American National Insurance
(913) 837-2870
5 S Peoria St
Louisburg, KS
 
Farm Bureau Financial Services
(913) 837-3704
218 Fairlane Dr
Louisburg, KS
 
Personal
001-785-395-5516
1541,International Court
Manhattan, KS
 

Disability Benefit Length - Short & Long Term Disability Protection

Provided By: 

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 ...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap