CT Disability Insurance Policy Information

Connecticut Disability Insurance Information

The most valuable resource that anyone possesses is their ability to provide
an income. If everything else that you own or care about is insured and this
ability is removed there may be no way possible to pay the premiums on
other insurance or even to keep that which is insured. Disability insurance
will provide you with an income should you become sick or disabled.

Even with benefits such as Connecticut Workers'
Compensation and Social Security, individual disability
insurance benefits are still important. A disability
financially can be worse than death, since living expenses
continue and may increase due to a need for expensive
specialized care. Many people also purchase disability
insurance to help ensure a continuous income should they
suffer disabilities that are not covered by Social Security.

Individual disability insurance coverages pay a
percentage of your salary if you become temporarily
disabled, meaning that you are not able to work due to
sickness or injury (excluding on-the-job injuries, which
are covered by workers' compensation insurance).

Individual Disability Insurance Features

Disability insurance policies have a fixed monthly
benefit that does not increase with time, although you
can purchase extra coverage, or riders, that offer
higher payment schedules.

Disability types include: Own Occupation - the inability to
perform the duties of your specific occupation or Any
Occupation - the inability to perform the duties of any job
for which your education and training make you qualified.

You can choose the length of the waiting period on
your disability insurance policy. Waiting periods can
range from one week to two years and the longer you
wait the less your disability insurance policy will cost.

You also can choose the length of the benefit period,
which is how long you will receive monthly benefits
once your disability insurance policy starts paying.

Short Term Disability Insurance Policy Features - Connecticut

Short term disability insurance is sometimes referred to as Accident and Sickness
insurance. It provides benefits for a limited period of time, typically 26 weeks or less.
Short term disability usually provides coverage for accidents or illnesses outside of
work when Connecticut Worker's Compensation insurance does not apply.

You would begin receiving money from your Connecticut short term disability
insurance policy within 1 to14 days after becoming sick or disabled. The actual time
for coverage to begin depends on whether you suffer an illness or injury. If you suffer
an injury, your benefits will be paid immediately. If you suffer an illness, it will take
longer because there needs to be sufficient time to show that the illness is grave
enough to be disabling.

You choose the amount of income (up to 66% of your gross income) from
$400 to $2000 a month when you can't work due to an accident or illness.

Click on the link below to fill out a quote request form for a Connecticut Individual
Short Term Disability Insurance policy that will provide excellent disability insurance
coverage at an affordable cost. Or discuss the features with our Disability Insurance
Agent Specialist by calling 203-351-9898.

Click HERE to fill out a

Connecticut Short Term Disability Insurance Quote

Request Form

Long Term Disability Insurance Policy Features - Connecticut

Long term disability insurance provides benefits for a limited period of time,
typically 2 or 5 years and is also usually guaranteed renewable until the age of 65.
Long term disability insurance usually provides coverage for accidents or illnesses
outside of work when Connecticut Worker's Compensation insurance does not
apply.

You can begin receiving money from your Connecticut long term disability
insurance policy when the "waiting period" time chosen for the policy is reached.
Typically, 6 months to a year is chosen for a waiting period in order to reduce your
premium, but shorter times are available.

You choose the amount of income (up to 66% of your gross income) from
$400 to $3000 a month when you can't work due to an accident or illness.

Benefit periods of 2 & 5 years!

Short waiting periods 7, 14, 30, and 90 days!

Guaranteed renewable to age 65

24 hour coverage - on or off the job!

$2,500 Accidental Death Benefit included!

No restrictions on how the money is used!

No benefit reduction at age 65!

Hospitalization Rider pays up to double your benefit per month

(for two months) if an injury or sickness puts you in the hospital!

Click on the link below to fill out a quote request form for a Connecticut Individual
Long Term Disability Insurance policy that will provide excellent disability insurance
coverage at an affordable cost. Or discuss the features with our Disability Insurance
Agent Specialist by calling 203-351-9898.

Click HERE to fill out a

Connecticut Long Term Disability Insurance Quote

Request Form

We are your local Fairfield County insurance agency, offering affordable short term
and long term disability insurance policy premiums in the following Connecticut cities
and counties: Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown, Springdale,
Round Hill, Old Greenwich, East Norwalk, New Canaan, Glenville, Byram, Cos Cob,
Mianus, North Stamford, Glenbrook, Wilton, Weston, Long Ridge, Noroton, West
Norwalk, Westport, High Ridge, Southport, North Wilton, Winnipauk, Cannondale,
Turn of River, South Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville,
Redding, Topstone, Ridgebury, Redding Ridge, Branchville, Dodgingtown, West
Redding, Titicus, Hattertown, Bethel, Danbury, New Fairfield, Newtown, Hawleyville,
Botsford, Monroe, Bridgeport, Stepney, Shelton, Huntington, Upper Stepney, Long
Hill, Trumbull, Stratford, Easton, Fairfield, Greenfield Hill, Stratfield, Nichols,
Oronoque, Rivercliff, Devon, Lordship, and East Bridgeport, New Haven, Hartford,
Torrington, Waterbury, Meriden, New Britain, New London, Norwich, Manchester,
East Hartford, Suffield, Granby, West Haven, West Hartford, Branford, East Haven,
Hamden, Woodbridge, Orange, North Haven, Groton, Rocky Hill, Newington,
Wethersfield, Glastonbury, Bloomfield, Blue Hills, South Windsor, Naugatuck, New
Hartford, Chesire, East Lyme, Old Mystic, Wallingford, Southington, Middletown,
Bristol, Laurel Beach, Litchfield, Pleasure Beach, Mystic, North Westchester, Double
Beach, Willimantic, Storrs, Canaan, East Windsor, Vernon, South Canaan, Putnam,
Guilford, Windham, South Britain, Willington, Windsor, East Hampton, Brooklyn,
Westchester, and everywhere else in New Haven County, Litchfield County,
Middlesex County, New London County, Hartford County, Tolland County and
Windham County, CT.

Benefit periods of up to 2 years!

Short waiting periods 1 to 14 days!

Review the types of individual disability
insurance by clicking on a link below.

Short Term Disability Insurance Policy

Long Term Disability Insurance Policy