Long-term Disability Insurance (LTD) is insurance coverage that protects your income in the event you become disabled because of an accident or illness and are unable to work. Disability insurance will pay your benefits, even if you receive workers compensation, which only pays if you are injured at work. Although many employers offer short-term disability insurance, […]
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The term freelancer is an unusual moniker for someone who is self-employed, but it is used widely to describe that large group of workers who have issues with traditional employment. Although how the term was coined continues to be debated, one can look at the most popular phrase that may have birthed the term: In […]
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Fundamentally speaking, a disability income insurance policy helps to replace your income if you become disabled and are unable to work. When you’re shopping for long-term disability insurance coverage, you will find that you can customize your insurance coverage using riders. You, as the applicant, can designate when you collect your disability payment, the definition […]
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It’s surprising to find that most workers, professional or blue-collar, believe long-term disability is something that happens only to workers who have blue-collar jobs like roofers, heavy equipment operators, or people who do heavy lifting all day. Yet these are the same people who rush out and buy life insurance, car insurance, and homeowners insurance. […]
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When starting their careers, physicians are typically taught the necessity of buying individual disability insurance policy during the course of or soon after training. Regrettably, not all individual disability policies are the same, which is why we encourage physicians to follow certain best practices to avoid buying insufficient income protection. We have listed for you […]
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