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Short Term Disability Annandale VA

Short-term disability insurance is your stop gap insurance in case of accident or illness that leaves you unable to work. It provides a percentage of your salary.

Robin Wulff
7202 Arlington Blvd.
Falls Church, VA
Company
Title: Agent
Company: ABP Insurance Agency, Inc
Education
Washington State University - BA
Portland State University - MBA
Years Experience
Years Experience: 20
Service
Life Insurance,Health Care Insurance,Long-Term Health Care Planning,Disability Insurance,Annuities

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Gordon Green
47218 Longwood Ct
Potomac Falls, VA
Education
University of Maryland College Park, MD Campus Bachelor of Science Degree
Years Experience
Years Experience: 15
Service
Annuities,Alternative Asset Class Planning,Commission-Only Financial Planning (Full Disclosure),Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Retirement Income Accumulation Planning,Hourly Financial Planning Engagements,Por

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Anthem Virginia Blue Cross Blue Shield Insurance Quotes
(703) 637-9940
1400 Spring Hill
McLean, VA
 
Cosmetic Dentistry of Washington
(202) 296-8777
1145 19th St., NW
Washington, DC
 
United Dental Corporation
(202) 861-0001
1629 K St., NW
Washington, DC
 
Martin Smith
4800 Hampden Lane
Bethesda, MD
Company
Title: President, Wealth Management Advisor
Company: KingdomTrust Capital Management, Inc.
Education
Howard University, Bachelor of Arts
Regent School of Divinity, Candidate: M.DIV
Denver College of Financial Planning
Years Experience
Years Experience: 15
Service
High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commi

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Virginia Health Insurance
(703) 451-1519
8229 Kings Charter
Burke, VA
 
GlaxoSmithKline
(703) 684-3979
227 North Royal Street
Washington, DC
 
Drs. Noguera & Russo, P.C.
(202) 861-0045
2021 K St., NW #522
Washington, DC
 
Sidney S. Markowitz, DDS, PC
(202) 833-8240
1145-19th Street, NW
Washington, DC
 
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Short Term Disability

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Short Term Disability

Most employers will provide some kind of short-term disability insurance. Short-term disability insurance is your stop gap insurance in case of accident or illness that leaves you unable to work. It provides a percentage of your salary (normally between 50 and 60 %) for a period of six months or less. If you require disability for longer than six months, because of a more serious illness or longer convalescence, then you will need long-term disability in addition to your short-term coverage.

Your biggest potential challenge is that the level of insurance coverage may not be sufficient and you need to find that out before you have a problem. Most employers have insurance to cover a short-term sick leave. It only makes sense your employer wants you back and wants you to be able to manage while you are sick. Some states even require employers to provide disability benefit's for a full 26 weeks, but that's where the employers obligation ends. However, the percentage of your salary that is provided, the length of coverage and the number of weeks that you have to wait before benefit's kick in can all make a difference to your familys financial security while you are sick or incapacitated. It's important to know the details of any short-term disability that your employer provides.

Also, you should know if your employer takes into account other disability programs, like Social Security. If they do, your disability pay could be even lower. Another problem is that you can't depend on actually receiving any benefit's from Social Security given today's tougher rules to qualify, even though the possibility of those benefit's may have reduced the benefit that you can receive from your short-term disability insurance.

You might think that short-term disability is a waste of your money. You could be wrong. While most of us carry some level of life insurance, you have only a 14 percent chance of dying between 40 and 65. However, in the same age...

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