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Disability Insurance from Employers Goodyear AZ

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

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
 
Health Insurance Group of Arizona
(623) 742-3878
PO Box 8031
Surprise, AZ
 

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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