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Disability Benefit Length - Short & Long Term Disability Protection Goodyear AZ

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.

Blue Cross Blue Shield of Arizona
(602) 864-4400
2444 W Las Palmaritas Dr.
Phoenix, AZ
 
Allstate Insurance
(623) 581-0374
6610 N. 93rd Ave. Ste. 1056
Glendale, AZ
 
Martel Benefits
(623) 210-2038
7618 W. Cinnabar Ave
Peoria , AZ
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Group Rated Insurance Plans for Individuals
(602) 377-6421
6728 W Desert Ln
Laveen, AZ
 
Adultcare Assistance Homecare, Inc
(623) 977-2223
10404 West Coggins Suite 108
Sun City, AZ
 
Arrowhead Insurance LLC
(623) 572-0032
20229 N. 67th Ave.
Glendale, AZ
 
State Farm Insurance - Matt Woosley
(623) 412-2219
9184 W. Northern Ave
Glendale, AZ
 
AzKelly Insurance Agency
(623) 444-7892
8550 N. 91st Ave. #2
Peoria, AZ
 
Health Insurance Solutions
(623) 933-8569
9009 N. 103rd Ave #104
Sun City, AZ
 
State Farm Insurance/Yvonne Knaack
(623) 937-3311
5525 W. Glendale Avenue
Glendale, AZ
 

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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