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Short Term Disability Lake Havasu City 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.

Integrity Outsource LLC
(602) 952-5500
2201 E. Camelback Suite 123
Phoenix, AZ
 
AnCap Insurance
(602) 943-2586
8802 N Fourth St
Phoenix, AZ
 
Jeffrey Biro
6900 E. Camelback Rd.
Scottsdale, AZ
Company
Title: President
Company: Family Wealth Advisors
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Investment Advisor Rep: Yes
Education
Double Bachelor's
Master's (abt)
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Years Experience: 28
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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
 
Blue Cross Blue Shield of Arizona
(602) 864-4400
2444 W Las Palmaritas Dr.
Phoenix, AZ
 
American Dental Plan
(602) 265-6677
1645 E. Bethany Home Rd.
Phoenix, AZ
 
MeMD
1-855-6363
7332 E. Butherus
Scottsdale, AZ
 
Perimeter Group
(480) 951-5933
17797 N Perimeter Drive D-101
Scottsdale, AZ
 
Bennett & Porter Insurance Services
(480) 212-1150
3200 N. Hayden Rd
Scottsdale, AZ
 
Charles Booth
2812 N Norwalk
Mesa, AZ
Company
Title: CPA, PFS
Company: Clarity Wealth Management
Type
Investment Advisor Rep: Yes
Education
Arizona State University
B.S. Accounting
1971
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Years Experience: 10
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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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