{"id":160,"date":"2011-05-26T17:52:28","date_gmt":"2011-05-26T23:52:28","guid":{"rendered":"https:\/\/www.kbmco.com\/ins-fl\/?page_id=160"},"modified":"2011-12-09T18:16:45","modified_gmt":"2011-12-10T00:16:45","slug":"disability-insurance","status":"publish","type":"page","link":"https:\/\/www.kbmco.com\/ins-fl\/insurance\/personal-insurance\/disability-insurance\/","title":{"rendered":"Disability Insurance"},"content":{"rendered":"\n
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\n <\/span>Keen Battle Mead & Company\n <\/div>\n

Personal Disability Insurance <\/h2>\n
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Disability insurance protects you from income interruption due to accident or medical emergency. No one expects to be taken out of commission \u2014 even briefly. But a good disability policy provides protection just in case.<\/p>\n

Statistics show that you are far more likely to experience a disability than you might think. A short-term disability lasting just a few weeks can derail your finances. A long-term disability can be financially catastrophic without proper coverage in place.<\/p>\n<\/p><\/div>\n

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Income Protected<\/div>\n
50\u201370%<\/div>\n<\/p><\/div>\n
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Short-Term<\/div>\n
Up to 2 yrs<\/div>\n<\/p><\/div>\n
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Long-Term<\/div>\n
To Age 65<\/div>\n<\/p><\/div>\n
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Coverage<\/div>\n
Private & Gov<\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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Your income is your most valuable asset.<\/div>\n

Protect it before you need to \u2014 disability can happen to anyone, at any time.<\/p>\n<\/p><\/div>\n

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<\/i>QUOTE ME NOW<\/a><\/p>\r\n
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What is Disability Insurance?<\/p>\n

Disability insurance replaces a portion of your income (typically 50\u201370%) if you become unable to work due to illness or injury. It’s one of the most overlooked \u2014 and most important \u2014 types of personal insurance coverage available.<\/p>\n

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While you’re working<\/strong> \u2014 Employer-provided disability benefits vary widely and may not cover all your needs. An individual policy ensures you maintain the coverage levels you require regardless of employment changes.<\/p>\n<\/p><\/div>\n

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If you’re a business owner<\/strong> \u2014 Business Overhead Expense (BOE) coverage and key person insurance can keep your business running even if you’re unable to work. Disability can threaten not just your personal income, but your entire business operation.<\/p>\n<\/p><\/div>\n

Understanding Your Options<\/p>\n

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Elimination Period<\/strong> \u2014 The period between the onset of disability and when benefits begin. Longer elimination periods typically result in lower premiums.<\/p>\n

Short-Term Disability<\/strong> \u2014 Typically covers disabilities for a period of up to two years. Benefits usually begin after a short waiting period.<\/p>\n

Long-Term Disability<\/strong> \u2014 Provides income replacement for extended periods, potentially to age 65. Essential for protecting against serious illness or injury.<\/p>\n

Private vs. Government Plans<\/strong> \u2014 Government programs like Social Security Disability Insurance (SSDI) exist, but qualification is difficult and benefits may not be sufficient. Private policies provide more dependable, customizable coverage.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

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Coverages Available<\/div>\n
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Disability Insurance \u2014 Coverage Types Can Include:<\/p>\n

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\n Individual policies\n <\/div>\n
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\n Group policies\n <\/div>\n
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\n Key person insurance\n <\/div>\n
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\n Business overhead expense\n <\/div>\n
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\n Short-term benefits\n <\/div>\n
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\n Long-term benefits\n <\/div>\n
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\n Elimination period options\n <\/div>\n
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\n Partial disability benefits\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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Both private and government disability programs are complex. Let Keen Battle Mead & Company help you evaluate your options and find the right level of protection for your life and income.<\/p>\n<\/p><\/div>\n<\/div>\n