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Topic: Disability insurance

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	Disability Insurance
		Most insurance companies will issue disability insurance coverage equal to approximately 60 percent of earned income; however, interns, residents, fellows and physicians just entering practice are provided with “special limits.” These special limits permit them to purchase benefits in excess of what their current earnings would normally allow.
		Although women are better risks for life insurance coverage, this is not the case with disability insurance.
		This type of disability policy has become the most prevalent in the industry today and typically pays benefits if you are “unable to perform the substantial and material duties of your occupation and you are not working.
	www.mdtaxes.com /disability_insurance.html (1250 words)

	Mortgage Disability Income Insurance (Site not responding. Last check: 2007-10-24)
		State Farm's Mortgage Disability Income insurance is designed to provide you with funds to meet your mortgage loan responsibilities for up to three years should you become disabled.
		After disability benefits have been payable for three consecutive months, the premiums are waived (paid by the Company) while the disability continues.
		Disability is based on your inability to perform the duties of your occupation.
	www.statefarm.com /insuranc/health/mortgdi.htm (324 words)

	AHIP \| Guide to Disability Income Insurance (Site not responding. Last check: 2007-10-24)
		As with all insurance, disability income insurance operates on the principle that many people pool small sums of money to benefit those who need help.The beneficiaries are people who need adequate income should they become disabled.
		Partial disability sometimes is covered for a limited time but most often only if the partial disability follows a period of total disability for the same cause.
		Most disability income insurance comes with one of two types of renewability provisions: Non-cancelable policies give you the right to continue a policy by timely payment of premiums, and the insurance company cannot change the premiums and benefits shown in the policy.
	www.aahp.org /Content/NavigationMenu/Inside_AAHP/For_Consumers/Fact_Sheets_About_Health_Plans/Guide_to_Disability_Income_Insurance.htm (2743 words)

	Disability Insurance - Protectyourincome.com - Disability Insurance Quotes
		ProtectYourIncome.com is the premier site on the Internet for information and guidance on disability insurance for professionals including physicians, resident physicians, dentists, attorneys and individuals with incomes of $100,000 or more.
		One top-rated disability insurance company summarizes their definition of disability as: “Pays benefits if you are unable to perform the material and substantial duties of your own occupation due to sickness or injury…even if you are able to do some other kind of work.”.
		Your employer or association-sponsored group disability insurance plan may not be all you think it is. It might, for example, insure you only if you are totally disabled, even though a partial disability could mean you were reduced to earning part-time wages.
	www.protectyourincome.com (771 words)

	Short Term Disability Insurance: Program Description
		Short term disability insurance (STD) is an income replacement benefit for short term salary continuance, provided through private insurance companies, due to a defined disability.
		Some short term disability insurance plans have exclusionary periods that last up to 12 months, but there is no standard exclusionary period.
		STD insurance provides income replacement benefits as either a percentage of gross pre-disability earnings (income before taxes) or a specified dollar amount.
	www.disabilitybenefits101.org /ca/programs/income_support/std/program.htm (826 words)

	Disability Insurance protects your income (Site not responding. Last check: 2007-10-24)
		When a disability leaves you unable to work for an extended length of time, you lose the ability to earn an income- the one thing you've always relied on to provide for yourself and your loved ones.
		When you purchase disability insurance through your employer, you may be able to have premiums deducted from your pay on a pretax basis.
		Disability is considered either "Own Occupation," which is the inability to perform the duties of your own specific occupation, or "Any Occupation," which is the inability to perform the duties of any job for which your education and training qualify you.
	www.guardianlife.com /solutions/product_portfolio/disability_insurance.html (840 words)

	Morris Insurance - Disability Insurance (Site not responding. Last check: 2007-10-24)
		You may be entitled to short-term or long-term disability benefits from your employer, workers compensation (if the cause of the disability was work-related) or Social Security Insurance benefits.
		Long-term disability insurance -- Provides benefits starting after an elimination period of one month to one year after you've been injured or become ill. You may usually choose plans that include benefits that are paid for two years, five years or up to age 65.
		Insurance and annuity products and services are not deposits of Kennebunk Savings Bank or any other affiliate; are not obligations of or guaranteed by Kennebunk Savings Bank and are not insured by the Federal Deposit Insurance Corporation or any other agency of the U.S. government.
	www.kennebunksavings.com /insurance/personaldisability.html (377 words)

	Physician’s disability insurance market
		It usually states, "You will be considered totally disabled if you are unable to perform the substantial and material duties of your occupation." If it goes further and adds "...and not working elsewhere," or, "...and not gainfully employed," than your policy is not an "own occupation" policy.
		Disability claims arising from stress, anxiety, depression and other mental health issues have seen a dramatic rise over the past decade.
		BOE and DBO insurance policies cover potentially large obligations and help ease the inevitable financial burden that occurs during the prolonged disability of a shareholder.
	www.physiciansnews.com /finance/501.html (1204 words)

	Wisconsin DETF - Disability Insurance
		The definition under the WRS for disability means the inability "to engage in any substantial gainful activity by reason of a medically determinable physical or mental impairment which can be expected to result in death or to be long-continued and indefinite duration".
		Before a disability benefit is approved, two physicians must complete and sign our medical report which states that your disability, whether physical or mental, and that the disability prevents you from being gainfully employed.
		Your disability must meet one of these conditions; it must cause you to retire from your job, or cause a reduction in your pay or position, or cause a work assignment to light duty, or adversely affect your promotional opportunities within the service.
	etf.wi.gov /members/benefits_disability_ins.htm (2921 words)

	First Hawaiian Bank: Hawaii/Guam — Disability Insurance
		Disability Insurance is designed to replace wages lost due to sickness or injury, and is the best way to protect against financial catastrophe.
		Group disability insurance can be fully paid by your employer or may require an employee contribution.
		Disability insurance is especially important if you are self-employed or are a small business owner, since many business owners are crucial to their company's day-to-day success.
	www.fhb.com /ins-disability.htm (870 words)

	CCH Business Owner's Toolkit \| Disability Benefits (Site not responding. Last check: 2007-10-24)
		Disability benefits are payments that guarantee income when an employee cannot work because of sickness (physical or mental) or accident.
		The length of the disability and its cause are two key factors in determining the form of disability benefit that may apply.
		Disability periods may be temporary or permanent and may result from an on-the-job accident or illness or may be totally unrelated to work.
	www.toolkit.cch.com /text/P05_4560.asp (253 words)

	FCIC: Long Term Disability Income Insurance
		Before purchasing an individual long-term disability income insurance policy, evaluate the benefits you may already be eligible to receive from your employer, the government, or other programs.
		Benefits from group long-term disability policies generally continue until either age 65 or your retirement age under Social Security, or until you are able to return to work.
		Disability income insurance is sold individually through insurance agents, or through group policies which may be available from your employer or professional organizations.
	www.pueblo.gsa.gov /cic_text/employ/lt-disability/insurance.htm (2045 words)

	Disability Insurance (Site not responding. Last check: 2007-10-24)
		Disability insurance provides monthly benefits for loss of income because of covered injuries and illnesses.
		Your chances of becoming disabled before retirement, either from an accident or illness, are far greater than your chances of dying before retirement.
		Disability insurance is underwritten by Mutual of Omaha Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175.
	www.mutualofomaha.com /individual_products/disability_insurance (281 words)

	Financial Guide: DISABILITY INSURANCE: What To Look For
		Long-term disability insurance is fairly expensive, and people tend to think that they will be protected by workers’ compensation or other sources.
		Here are some suggestions for investigating the disability coverage you may already have, in order to find out whether it is adequate to meet your needs.
		Veterans whose disability is related to a service-related injury may be eligible to receive disability benefits in certain states.
	www.gofso.com /Premium/LE/08_le_bi/fg/fg-Disability_Ins.html (1672 words)

	About Disability Insurance
		It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.
		Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate.
		Individual disability insurance for blue collar occupations is attainable through some carriers, however most of the carriers and contracts discussed on this web site do not specialize in providing coverage to blue collar occupations.
	www.about-disability-insurance.com (273 words)

	Disability Insurance Quotes - Disability Income Insurance
		disability insurance applications by phone are always faxed or mailed to you first for your review and signature) counsel you on the best designed disability insurance plan to meet your needs and keep you informed throughout the underwriting process.
		disability insurance from a number of companies, our product of choice in most cases is the ProVider Plus disability income insurance (DI) policy series issued by Berkshire Life Insurance Company of America, a wholly-owned stock subsidiary of The Guardian Life Insurance Company of America.
		Creating disability insurance "wrap around programs" to complement short term disability insurance and group long term disability insurance plans as well as mechanisms to help protect against the loss of short term disability insurance and long term disability insurance in the event the employer stops offering these plans or you leave the company
	www.disability-insurance.com (527 words)

	NCAA Exceptional Student-Athlete Disability Insurance Program
		To be eligible for benefits, it must be medically determined, at the end of the elimination period and before the benefit is paid, that the insured student-athlete will never be able to participate in his or her sporting activity, at the professional level.
		After the expiration of a 90 consecutive calendar day elimination period (from the first day of total disability), at the option of the insured student-athlete and with the approval of the Company, outstanding benefits may be commuted to present value lump sum at a rate agreed upon by the Company and the insured student-athlete.
		If an insured student-athlete is disabled due to injury or sickness or suffers accidental loss of life, written notice of the claim should be submitted to the program administrator within 90 days of the occurrence of the injury, sickness or accidental loss of life.
	www1.ncaa.org /membership/insurance/exceptional.html (1012 words)

	Temporary Disability Insurance
		Most workers who become disabled within 14 days of their last day of work in covered New Jersey employment may be covered for disability insurance under the State Plan or an approved Private Plan.
		All medical records of the Division, except to the extent necessary for the proper administration of the Temporary Disability Benefits Law are confidential and are not open to public inspection.
		The Division protects all records that may reveal the identity of the claimant, or the nature or cause of the disability and the records may only be used in proceedings arising under the Law.
	www.nj.gov /labor/tdi/tdiindex.html (377 words)

	Union Bank of California - Disability Insurance
		Disability insurance available through Union Bank of California's insurance affiliates protects you and your family if an illness or injury prevents you from earning an income.
		The odds of becoming disabled during your peak earning years -- when financial responsibilities are at their peak, too -- are higher than the odds of dying during those years.
		Disability coverage protects your standard of living today and your financial plans for the future.
	www.uboc.com /wealth/main/0,,2485_3182,00.html (304 words)

	Chiropractors Disability Insurance :: CDI (Site not responding. Last check: 2007-10-24)
		With over 30 years of experience in disability insurance, CDI has worked with virtually every major insurance underwriter in the United States.
		When it comes to disability insurance, what you don't know CAN hurt and devastate you.
		If you, the chiropractor, don't have a disability insurance policy, you owe it to yourself and your family to lock-in on a quality policy before coverage and benefits are further reduced by the insurance companies.
	www.chiropractordisability.com (367 words)

	[No title]
		Typically, people buy property and casualty insurance to protect their possessions (houses, cars, and furniture) and life insurance to provide income for their survivors.
		Disability is an unpredictable event, and if you become disabled, your ability to make a living could be restricted.
		In addition, remember that you don't have to be working in a hazardous occupation to need disability insurance; accidents happen not only on the job but also at home, and illness can strike anyone.
	www.insurance.com /Article.aspx/artid/52 (885 words)

	Disability Income Insurance Products and Services (Site not responding. Last check: 2007-10-24)
		Instead of having a disability disrupt your financial plans, make sure disability income insurance is a part of your financial plan.
		A disability income insurance solution that's affordable and flexible, this policy helps to protect you throughout your life as your needs change - such as when you get a raise, get married, buy a house or have children.
		If you become totally disabled before reaching retirement age, you may not only lose your ability to earn an income, but you may also lose the opportunity to accumulate additional funds for retirement.
	www.massmutual.com /mmfg/products/insure/di (390 words)

	Social Security Disability Insurance
		These are benefits payable to children with disabilities who are under the age of 18 because a parent is collecting retirement or disability benefits from Social Security or children who are entitled to benefits because the child is under the age of 18 and a parent has died.
		The law states that a child will be considered disabled if he or she is not working and has an impairment that is as severe as one that would disable an adult.
		The disability- evaluation process generally takes several months, but the law includes special provisions for any individual (including a child) signing up for SSI disability whose condition is so severe that they are presumed to be disabled.
	www.kidsource.com /nfpa/social.html (1213 words)

	disability insurance in california
		Under Code 1091.5(b)-13-, disability insurance contracts may be approved if they & 147;fail to conform in any with any law of that state.& 148.
		Therefore, insureds may not be of protections of California insurance including covenant of good faith fair dealing, the principles of contract such as rule of reasonable interpretation the law of adheion contracts under which ambiguities were resolved in favor of the free insured.
		Sutter Health Long-Term Disability found opinion of the California to be persuasive in its interpretation the California Insurance Code due to thoroughness and what the court described the validity of its reasoning.
	www.mzac.com /disabilityinsuranceincalifornia.htm (4456 words)

	Disability Benefits 101: Working with a Disability in California
		Disability Benefits 101 has begun to translate all of its content into Spanish, a process that will take two years.
		Some disabled individuals with high-risk medical conditions can qualify to have their private health coverage premiums paid by Medi-Cal/HIPP.
		Workers with disabilities, or those with taxable disability benefits, may be able to lower their tax burdens through the Earned Income Tax Credit.
	www.disabilitybenefits101.org (257 words)

	Insuring yourself for the unexpected - Mar. 25, 2002
		But most company-issued disability insurance only provides you with 60 percent of your salary and sets a monthly maximum of $5,000 to $10,000, which can be even less than 60 percent of a highly compensated employee's salary.
		The most conservative definition of total disability is "any-occupation disability." Under this definition you do not get a benefit unless you are completely unemployed and unable to do any work.
		And some disability insurance products will give you own-occupation coverage for a specified period, then move you to a modified plan, increasingly contingent on whether you can produce any income.
	money.cnn.com /2002/03/25/pf/insurance/q_disability (1299 words)

	[No title]
		Disability Overhead Expense reimburses a business owner for covered overhead expenses of his or her business that continue during a period of partial or total disability.
		Small Group Long Term Disability Insurance provides monthly benefits for disabilities lasting longer than 13 or 26 weeks and is available to employers with three to nine employees.
		Large Group Long Term Disability Insurance provides monthly benefits for disabilities lasting longer than 13 or 26 weeks and is available to employers with ten or more employees.
	www.nmfn.com /tn/insprods--di_list_pg (372 words)

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