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Disability Insurance
We at the Insurance Center of NE Wisconsin, Inc. are excited to announce our Simplified Issue Short Term Disability Program. We realize that many people have found that applying for Disability Coverage can be a tedious process. So we have found an easier way for you to obtain the coverage that you and your family need to protect you if you became disabled from a Short Term Accident and/or sickness. You can even select an option that leaves no money on the table, return of premium, a win win. Whether you need care or not.
The following are the particulars:
Partial Disability Benefits Own Occupation Definition Presumptive Benefit Waiver of Premium Organ Donor Benefit Childbirth Benefit
Catastrophic Disability Rider Family Care Rider Guaranteed Insurability Rider Retroactive Injury Rider Return of Premium Rider Stay at Home Spouse Rider Contact Linda M. Grzesik for more information PHONE (715) 365-3601 We think that you will find the New Simplified Issue Short Term Disability Program provides you one of the most convenient ways to provide the needed coverage to protect you and your family from short term accidents and sicknesses at very competitive rates. How Much Coverage DO I Need? Income Protection is meant to keep enough money flowing into your household if you're disabled and unable to work, so it's important to look at your expenses and determine how much you'll need for replacement. If the Disability becomes long term, planning for things like retirement, future living expenses and children's education expenses is essential. Start with a look at your Monthly Bills Mortgage/Rent Car Payment Student Loans Credit Cards Child Care Cell Phone Utilities Cable/Internet Groceries Insurance Other Total Is It Worth Having Disability Coverage? It may not happen to you - but more than one in four people over the age of 20 will become disabled during their working lives. For some people, income Protection makes a big difference in their daily lives. Need-To-Know Definitions Elimination Periods - The Number of consecutive days one must be totally disabled before you become eligible for benefits. Benefit Period - The maximum time frame benefits are payable for a given period of total disability. Own Occupation Definition of Disability - Assurity defines a total disability as the inability to work at your regular occupation at the time disability begins, even if you still might be able to work at another occupation. Total Disability - A sickness or injury is considered a total disability if it keeps you from doing all the substantial and material duties of your regular job and requires a physician's care during the benefit period. If you have any questions, contact Linda M. Grzesik for more information. PHONE (715) 365-3601 |