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Short Term Disability Kingman AZ

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.

Marreel Slater Insurance (MSI)
(602) 476-0079
2475 W. Queen Creek Rd. Suite 5
Chandler, AZ
Blue Cross Blue Shield of Arizona
(602) 864-4400
2444 W Las Palmaritas Dr.
Phoenix, AZ
Lovitt & Touche Inc Insurance & Bonds
(602) 956-2250
1050 W. Washington St Ste 233
Tempe, AZ
Jeffrey Biro
6900 E. Camelback Rd.
Scottsdale, AZ
Title: President
Company: Family Wealth Advisors
Investment Advisor Rep: Yes
Double Bachelor's
Master's (abt)
Years Experience
Years Experience: 28
Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Fee Only Portfolio Management,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Life Insurance,Investment & Portfolio

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True Choice Benefits LLC
(480) 206-8294
PO Box 1914
Chandler, AZ
Bennett & Porter Insurance Services
(480) 212-1150
3200 N. Hayden Rd
Scottsdale, AZ
Arrowhead Insurance LLC
(623) 572-0032
20229 N. 67th Ave.
Glendale, AZ
Perimeter Group
(480) 951-5933
17797 N Perimeter Drive D-101
Scottsdale, AZ
HalSi Insurance Services
(520) 296-7881
7670 E Broadway
Tucson, AZ
Greg Zale
4365 E. Pecos Rd #136
Gilbert, AZ
Company: LPL Financial
Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Life Insurance,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Commission-Only Financia

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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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