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Disability Benefit Length - Short & Long Term Disability Protection Snellville GA

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.

Sam Evans, MBA, CFA
4989 Peachtree Parkway
Norcross, GA
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
MBA - Financial Services; Lipscomb University; Nashville, TN
Major: Accounting; Lipscomb University
Service
Real Estate Investment Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Wealth Engineering,Asset Protection Strategies & Planning,Pension for Highly Compensated Owners,Fee-Only Comprehensive Financial Planning,Stock Market Alternative,Wealth Management,Medicaid,Alternative Asset Class Planning,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Portfolio Engineering,Mortgage Refinancing,Hourly Financial Planning Engagements,IRA,

Data Provided by:
Markel Insurance Services
(770) 982-7051
3100 Five Forks Trickum Dr
Lilburn, GA
 
Claiborne's Consultation Service for Senior Health Plans, LLC
(770) 680-2726
4850 Sugarloaf Pkw Ste 209-159
Lawrenceville, GA
 
Aflac
(770) 374-1347
368 West Pike Street
Lawrenceville, GA
 
Kaiser Permanente
(404) 364-4998
200 Cresent Centre Pkwy.
Tucker, GA
 
Ameriplan USA
(888) 894-0802
P O Box 392544
Snellville, GA
 
Markel Insurance Services
(770) 982-7051
3100 Five Forks Trickum Rd., SW
Lilburn, GA
Prices and/or Promotions
Affordable Georgia Health Insurance

AffordableFamilyPlans.com
(800) 819-7853
PO Box 1975
Loganville, GA
 
Grace Health Care of Tucker
(770) 934-3172
2165 Idlewood Road
Tucker, GA
 
AFLAC
(866) 815-2674
8075 Mall Parkway
Lithonia, GA
 
Data Provided by:

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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