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Disability Insurance from Employers Casper WY

While some employers may decide to provide some disability insurance for their employees as part of an insurance benefit package, it is not guaranteed.

Metro West Health Plan
(817) 924-6508
1617 Hemphill St
Fort Worth, TX
 
Peterson Dale Insurance & Real Estate
(320) 589-4060
106 W 5th St
Morris, MN
 
Genoa Health Care
(618) 398-5127
12 N 64th St
Belleville, IL
 
Partnercare Health Plan Inc
(813) 901-9208
5501 W Waters Ave
Tampa, FL
 
Advanced Insurance Systems
(910) 270-3446
Wilmington, NC
 
Kale Insurance
(704) 732-4646
530 E Main St
Lincolnton, NC
 
Ella Oliver CPA
(972) 463-3833
2621 Elm Grove Rd
Wylie, TX
 
The John Groom Agency
(803) 612-1221
544 Rapids Rd
Columbia, SC
 
Florida Health Care Plans-Hmo
(386) 446-9802
21 Florida Park Dr N
Palm Coast, FL
 
Hmsa-Hawaii Medical Service Association
(808) 871-4872
Kahului, HI
 

Disability Insurance from Employers

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Employer Disability Insurance

While some employers may decide to provide some disability insurance for their employees as part of an insurance benefit package, it is not guaranteed. There is no legislation or legal requirement for employers to provide this as a benefit.

As a result, if you are particularly interested in this benefit, you may want to try to negotiate it as part of your compensation package. If you are a valuable employee that a future employer wants to attract, this could be a part of your bargaining process with that employer.

Having said that, you will usually get some kind of short-term disability insurance from your employer. Short-term disability will provide benefit's for periods less than or equal to 6 months. However, this just gets you through a crisis.

On top of everything else that you may be dealing with because of severe illness or accident, your short-term disability insurance is likely to provide too little for you to live on. Most plans only provide between 50% and 70% of your full-time salary. Also, if you get this benefit paid for by your employer, those benefit's that you receive WILL be taxable in most jurisdictions. So, you can't expect it from your employer and you have to be ready with some level of financial planning in order to weather this kind of storm, whether you get it from your workplace or not.

In the end, the numbers usually works out better if you negotiate a higher salary and use the extra to pay for your disability insurance yourself. Why? Because if you ever do have to receive benefit's, these payments will be tax-free. (The principal is based on only taxing dollars once: money on which you have paid tax cannot be taxed again. So, if you have paid tax on the dollars which paid your disability premiums, the benefit's from your insurance are then tax-free.)

If you do get this benefit paid for by your employer, negotiate both short-term disability insurance as well as long-term protection when ...

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