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Disability Benefit Length - Short & Long Term Disability Protection Hyde Park MA

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.

Boston Orthodontic
(617) 437-7333
396 Commonwealth Avenue
Boston, MA
 
Cambridge Health Alliance
(617) 498-1000
1493 Cambridge Street
Cambridge, MA
 
Dental Wellness
(617) 868-1516
1129 Cambridge Street
Cambridge, MA
 
AAA
(617) 443-9300
125 High St Lbby 6
Boston, MA
 
Blue Cross and Blue
(617) 956-2000
100 Summer St
Boston, MA
 
Caritas Christi Health Care
(617) 789-3000
736 Cambridge Street
Boston, MA
 
Macy's/Federated
(617) 357-2400
450 Washington Street
Boston, MA
 
Natural recipes for skin care
(978) 378-3641
http://naturalrecipes-skincare.blogspot.com/
Boston, MD
 
Eric A. Walker, DMD
(617) 354-3351
60 Brattle St.
Cambridge, MA
 
Blue Cross and Blue Shield of Massachusetts
(800) 443-6657
175 Federal St
Boston, MA
 

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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