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Disability Benefit Length - Short & Long Term Disability Protection New Bedford 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.

Mid West National Life Insurance of Tennesse
(508) 967-6121
306 Winthrop Suite 118
Taunton , MA
 
Blue Cross and Blue Shield of Massachusetts
(800) 443-6657
175 Federal St
Boston, MA
 
A A M Ltd Co
(413) 567-5060
3 Wenonah Pl
Longmeadow, MA
 
Corporate Benefit Plans
(508) 770-0276
546 Main Street
Worcester, MA
 
Ocean Employee Benefits
(508) 265-5350
Ten Prince Place
Newburyport, MA
 
Cohen Michael S
(413) 565-9931
228 Bel Air Dr
Longmeadow, MA
 
New Era Dental
(617) 576-6566
2400 Massachusetts Ave., 2nd Floor
Cambridge, MA
 
Paula’s Hair & Day Spa
(978) 927-1220
181 Elliot Street
Beverly, MA
 
Boston First Benefits
(617) 539-3322
41 Putnam Street, Suite G
Winthrop, MA
 
Mid West National Life Insurance of Tennesse
(508) 967-6121
306 Winthrop Suite 118
Taunton , 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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