Protect Against Lost Income Due to Unforeseen Illnesses or Injury
Disability protection helps replace income lost during extended illnesses or unforeseen accidents. Long-term disability provides income replacement after short-term disability ends. Some consumers have both insurance products, often through their job. Others prefer to purchase disability insurance on an individual basis. Individual disability income insurance is sometimes used to supplement coverage offered at the workplace.

Different Definitions
The actual definition of disability will change depending on the scope of each policy or plan. Some policies state that a person is disabled when they cannot fulfill the obligations of their job, and others will only pay out if an individual cannot perform any job that fits the training, experience and education of the policyholder.

There are a variety of policies that replace a segment of the total disability monthly payout if an individual loses a portion of their salary due to disability. This is called a partial disability or residual benefit. In addition, various plans might have a rehabilitation portion that will pay all or part of the rehabilitation expense previously approved by the insurance company. Other policies might have a rehabilitation clause that demands that the policyholder become active in an occupational rehabilitation program to get any benefits.

Waiting Period
Benefits usually start after a designated waiting time. The waiting period ranges anywhere from 90 to 180 days depending on the policy. Long Island consumers should determine how long they can go without income when evaluating different disability income plans. Those with large savings accounts might choose an extended waiting period. Most employers determine the waiting period for their specific group plans.

Peak Advisors helps advise Suffolk County and Long Island consumers determine the right amount of disability coverage. Sometimes, it is not easy to understand the different aspects of insurance policies and plans. For over 20 years, we have helped clients sort out their best options and move forward with confidence. They gain the peace of mind that comes with knowing they are covered in the case of personal injury.

No Obligation
Consumers in the Long Island area are encouraged to enter their contact information into the form on this page. One of our disability income professionals will make contact for a no-cost, no-obligation evaluation. Sleep better knowing the right insurance is in place.

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