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What Kind Of Disability Insurance Do I Need To Buy?

Question by Alan K | Posted in Insurance

I'm in my first 30's, do I need disability insurance and what should I be looking for?
How much should I expect to pay for benefits that cover 60% of my income after 90 days? Assuming I am strong now

Answer: Yes, because it'll never be any cheaper.
The longer the waiting stretch ( time before benefits start is a big factor in determining cost.) No company will catalogue 1st day coverage, but if you buy a policy with no benefits for the `1st 90 days, the premium drops like a penniless. The monthly benefit can be a few hundred dollars, up to 60% of your pay.
How is your health?? If no problems, good. If you have a chronic protracted term condition such as arthritis, it might cause
 
 

I Am Having Back Surgery And Need Disability Insurance?

Question by Sarah D | Posted in Insurance

I am exasperating to get my finances & my job straight before I go through with my back surgery that will have me off work for at least 3 - 7 months. I was wondering if someone knows about any disability insurance that would inundate me? I have talked to two companies and both say its a pre-existing condition and they will not cover me.

Any sugestions?

Answer: ~~Once you have been diagnosed with something, there are no insurance companies that I distinguish of that will pay you disability payments. Disability insurance needs be purchased while a person is completely healthy.~~

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I Need Disability Insurance. I've Been Declined By Several Companies Due To A Diagnosis Of Sleep Apnea-hints?

Question by IRONMAN | Posted in Insurance

The apnea diagnosis is so disrespect that I do not require treatment with a C-PAP machine. I'm surprised that I've been declined. Does anyone have any suggestions?

Answer: You can't entreaty a denial of policy issuance, as there are no laws requiring that an insurance company ISSUE a policy. They can controvert to issue for any reason.

Apnea tends to get worse, not better. So that's one reason. Additionally, it's predominantly accompanied by being overweight, which can be another decline reason.

Your best bet, is to try to get your doctor to reverse that diagnosis. OR, to get your disability coverage through a heap plan, with your

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I Need A Disability Insurance Attorney?

Question by Fletcher O | Posted in Insurance

Six months ago I got into a bad car mishap (not my fault) and I haven't been able to drive or got to work or even perform any of my duties. I need a lawyer who can help me get disability insurance claims from my chief or else I'm going to have to move in with my parents.

Answer: Lawyers are admitted to routine law in each state. You need a lawyer in your state, so you should list that.

Having said that, does your employer Afford you with disability coverage? If so, long term, or short term? And are you MEDICALLY disabled, as in, a doctor has declared you unfit to work?

LOTS of questions here, but if you are really disabled, AND, there IS coverage (many employers do NOT provide any kindly of disability coverage!), any local lawyer should be

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I Need Help With Disability Insurance?

Question by You'reHOT! | Posted in Insurance

I am looking for any recommendations for companies sacrifice short and long term disability insurace and what kind of disability insurance I would need. I am 24 married with no kids at the twinkling of an eye. My job is very low-risk and does not offer disability.

Answer: I would lead one to believe you use yellowpages.com to search for disability insurance brokers in your area.
Don't call your auto and home agent they specialize in quality and causality insurance. You need someone that specializes in disability insurance. These areas of insurance even require separate licenses.
A Broker represents multiple carriers and can boost you sort through all the different insurance companies and plan options in your state.

The largest disability

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