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Disability Benefit Length - Short & Long Term Disability Protection Fairbanks AK

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.

DSG Health Insurance
(469) 916-3646
11937 Denton Drive
Dallas, AK
 
namviet
(245) 712-3465
hcm
hcm, AK
 
Silver Oak Insurance
(877) 422-8348
3315 Marquart, Suite 206
houston, AK
 
JLOinsurance.com
(626) 482-3577
4848 N Vincent
Covina, AK
 
St Louis Health Quotes.Com
(314) 739-5800
34 Muirfield Hill Ct South
St Charles, AK
 
BESTCAHEALTHINSURANCE.COM
(626) 339-9819
17054 E Bellbrook St
Covina, AK
 
QUOTEABC.COM
(866) 992-7070
2184 Saviers Rd
Oxnard, AK
 
Benefits Consulting Services
(907) 357-4800
165 E. Parks Hwy. Suite 202
Wasilla, AK
 
AZAZELI
+8016427277
Jokil, AK
 
Valley Fever Connections
(480) 555-1212
921 Main St
Mesa, AK
 

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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