Health Insurance
Health Insurance
Are you not covered under your employer’s insurance or are you self-employed? My Protection Insurance Agency can provide you with coverage for doctor visits, prescriptions, specialized care, surgical procedures, and more.
Disability Insurance
If you become too sick or injured to work for an extended period of time, DI could help cover a portion of your income, including bonuses and commissions. The 3 types of Disability Insurance:
Group, Long Term, and Short Term.
Group Disability Insurance
Group Disability insurance helps attract and retain quality employees and is tax deductible to the business. These plans typically provide the disabled employee with up to 70 percent of pre-disability income (to a specified maximum), and to quality, your office must have 10-499 Employees.
Long Term Disability Insurance
Long Term Disability (LTD) Insurance replaces a portion of an employee’s income when they are unable to work for an extended period due to a disability. Because every claim is unique, claim managers regularly assess work capacity and engage in-house clinical and vocational resources to help address medical and non-medical barriers to recovery and a return to work and/or a Return to Life.
• Benefit periods of 2 years, 5 years and to age 65
• Elimination periods from 30 days to 2 years
• Coverage up to 70% of income (to a $25,000/month max.)
• “Own Occupation” definition of disability plans available
Short Term Disability Insurance
Short Term Disability (STD) Insurance provides a source of income for employees who temporarily cannot work due to a disability. With a focus on returning them to work, claim managers make quick and accurate decisions that allow employees to focus on recovery instead of paperwork.• Benefit periods up to 52 weeks
• Elimination periods as little as 0 days for an accident and 3 days for an illness
• Coverage up to 70% of income (to a $5,000/week maximum)
Individual Disability Insurance
Individual disability insurance can be your only disability insurance policy (if your employer does not offer a group policy) or can act as supplemental disability insurance, which fills in the gap between your employer-sponsored plan and the amount you need to survive financially if you become disabled. It is important to think long-term and consider the potential devastating effects of losing your income.