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Disability

Your common sense tells you that your family and paycheck need protection. A disability income insurance policy can provide that protection.  Call Roshanak Clune about how much money your household would need if you were to become disable. You have a basket full of responsibilities and obligations way too many some days, However when you are a breadwinner  your paycheck is vital to your family’s security.

Short-term disability policies have a maximum benefit of two years while Long-term disability policies have benefits that can last the rest of your life.

Long-term disability insurance (LTD) is an insurance policy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time. Some estimates state that the average employee with long-term disability misses 2.5 years of work. This can devastate a family financially without the safety net of long-term disability insurance. However, long-term disability insurance ensures that an employee will still receive a percentage of their income if they cannot work due to sickness or a disabling injury. Long-term disability insurance is an important protection for employees when the U.S. Census Bureau estimates that an employee has a one in five chance of becoming disabled.

Short-term disability insurance is an insurance policy that protects an employee from loss of income in the case that he or she is temporarily unable to work due to illness, injury, or accident. Short-term disability insurance does not protect against work-related accidents or injuries, as these would be covered by workers’ compensation insurance. However, it ensures that an employee will still receive a percentage of income if they cannot work due to sickness or a disabling injury. This is an important protection for employees. Short-term disability insurance is usually provided by employers, and there are a variety of differing plans available for employers to offer their employees. Employees can provide group insurance packages as part of a benefits package.