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What are the Costs of Disability Insurance? Kalispell MT

Disability insurance can vary widely in cost, you can expect that any policy that gives you a reasonable benefit (50% to 70% of your salary) will also be reasonably expensive.

Combined Insurance
(406) 885-7783
181 Jackson Peak Dr.
Kalispell, MT
 
Ken Shepherd Insurance
(406) 586-4334
3508 LaramieSuite1
Bozeman, MT
Prices and/or Promotions
Lowest Prices

Danette Giono Insurance
(406) 439-6395
1125 Choteau Street
Helena, MT
 
Western Montana Medical Clinic
(406) 883-5680
6 Thirteenth Ave
East Polson, MT
 
Combined Insurance
(406) 885-7783
181 Jackson Peak Dr.
Kalispell, MT
 
John Shellenberger
P.O Box 4758
Bozeman, MT
Company
Company: Estate Conservation Associates
Education
Franklin & Marshall College A.B.
Stanford University M.A.
Years Experience
Years Experience: 34
Service
Supplemental Medicare Insurance,College Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Long-term Care Insurance,1031 Exchanges,Wealth Engineering,Stock Market Alternative,Wealth Management,Life Insurance,Inves

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Trinity Massage Therapy
(406) 270-8394
1-14th Avenue West
Polson, MT
 
Metamorphosis
(406) 261-9321
302 1st Street W
Polson, MT
 
US Health Group
(406) 696-0586
2305 Constellation trl.
Billings, MT
 
Affordable Health Insurance
(636) 391-2600
267 Clarkson Executive Park
St. Louis, MT
 
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What are the Costs of Disability Insurance?

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Disability Insurance Cost

Disability insurance can vary widely in cost, depending on the kind of benefit you are looking to receive. However, you can expect that any policy that gives you a reasonable benefit (50% to 70% of your salary) will also be reasonably expensive. Keep in mind that most financial planners state that you should have between 50% to 70% of your salary in disability benefit's in order to ensure that you can survive your health crisis financially. Also, keep in mind that ideally you will have paid the premiums yourself, so that the benefit you receive is tax-free. If your employer is paying for your long-term disability insurance , your benefit should be higher because you will pay income tax on it.

So, when thinking about premiums you do have to keep in mind what will happen when you are in the position to collect benefit's.

In general, premiums will be based on your age, sex, occupation and the amount of income you are trying to protect. If you have a low risk job, you can expect a lower premium. However, if you are trying to protect a large salary, your premiums can be quite expensive.

In general, the less likely that you will be hurt on the job, the lower your premium will be. So, if you wash windows on skyscrapers, your insurance is likely to be expensive. Most white-collar workers will get a break as a result. A computer programmer working in an office will likely have lower disability premiums than a construction worker, even if the ...

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