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Insurance providers, as well as resources and information on disability health coverage.
State Farm® Business Insurance

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Choosing a Social Security Disability Lawyer

Recently enacted federal regulations now impose stricter requirements for proving an employee's immigration status. Employers now have a tougher job to keep their businesses out of trouble.

Disability Discrimination Law

Disability discrimination law applies to private employers, state and local governments, employment agencies and labor unions, and covers everything from hiring to firing to advancement to compensation to job training. Most companies with at least 15 employees are subject to laws for the disabled, and in addition to the financial impact from a lawsuit, any kind of discrimination in the workplace can breed distrust and disharmony among employees, and make employees with disabilities feel isolated from their co-workers.

CIGNA Disability Insurance

CIGNA disability insurance can be a boon to small business owners and a plus for employees. The Disability Management Sourcebook says that one in seven people under the age of 65 will be disabled for five years or more.

Disability Discrimination Company Policies

Prevent employment disability discrimination lawsuits before they happen to you by following the proper legal channels and steps. Disablity discrimination in the workplace can damage or destroy your business and/or it's reputation, so taking these laws very seriously should be a top priority for you and all your employees.

Diabetes SSI Disability, Do you have the Right Team?

Diabetes, with its myriad complications and side effects, has come to be known as the fifth-deadliest disease in the country. While many are able to notice symptoms and receive a diagnosis with plenty of time to get it in check, there will always be others who don't realize they have diabetes until they begin to suffer from some of its more serious side effects.

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Disability Insurance

Provides an overview of the California State Disability Insurance (SDI). SDI provides affordable, short-term benefits to eligible workers. Workers covered by SDI ...

Benefits for People with Disabilities - Social Security

Social Security Disability Insurance pays benefits to you and certain members of your family if you are "insured," meaning that you worked long enough and paid ...

Disability insurance - Wikipedia, the free encyclopedia

Disability Insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary's earned income against the risk that a ...

Disability Insurance – State Farm® - State Farm Insurance

Let Disability Insurance from State Farm® go to work for you. When you can't work, disability insurance goes to work for you.

Short Term & Long Term Disability Insurance by Mutual of Omaha

Mutual of Omaha offers short term disability and long term disability insurance policies to help protect your financial future - learn more today.

Disability Insurance from MetLife

MetLife's disability insurance can help you maintain your pre-disability lifestyle.

DI Quotes

Providing Own-Occupation Disability Insurance Quotes and Information to Physicians and Dentists Nationwide.

www.diquotes.com

Disability Insurance for Business Owners


Disability insurance, which provides an income if you're injured and unable to work, is a must for most small business owners. There are two main types of disability policies:
  1. Short-term disability covers a worker for up to a year. Typically, it's used for short-term illnesses, accidents, maternity leave or mental disabilities.
  2. Long-term disability covers a worker for years — sometimes until Social Security kicks in. This is the most important type of disability insurance to have.
  3. Residual or partial disability coverage allows an employee to work part time and still receive benefits to make up for lost income. Important but optional riders can provide for cost-of-living and future earnings increases.

Look at the benefits and elimination periods

The benefits period defines how long the policy will provide you an income. Most insurers offer benefits lasting two to five years, up to age 67 or for life. The longer the benefit period, the more expensive the policy. The elimination period is the length of time between the onset of the disability and when the insured starts receiving benefits — typically 30 to 90 days. A longer elimination period lowers the cost.

Understand the contract

Disability policies may be non-cancelable, which locks in rates and benefits, or guaranteed renewable, which gives the insurer the right to raise prices for specific reasons.

Look for financial stability

Make sure the insurance company you purchase your policy from is financially stable.

Consider the cost

Prices vary widely, based on gender, health history and occupation. Premiums typically cost between 1 and 3 percent of annual income. The riskier the business, the more expensive the coverage.
  • Disability insurance doesn't cover 100 percent of a salary. Insurers want people to have an incentive to go back to work. Most disability policies cover 40 percent to 80 percent of gross income.
  • You can keep the cost of disability insurance down by electing a longer waiting period before benefits begin or shortening the benefit period. But remember, cost isn't everything. Getting the right coverage for your kind of business is key.
  • Rehabilitation riders cover the cost of retraining. It's an option worth considering for yourself or your employees.
  • Only the most expensive policies pay benefits until retirement. Two to five years is typical.
  • If you pay disability benefits for an employee, he must pay federal and state income tax on those benefits, although paying these taxes for a disabled employee is a wonderful, and relatively common, gesture. Individual disability coverage is tax-free for the person paying the premium.
  • If the policy is for you, you'll want a broad definition of disability. If you're buying the policy for a small company, a narrower definition will be the more affordable choice. The best option is "own-occupation disability," which pays benefits even if the disabled worker can do some other tasks. "Any-occupation disability" policies do not provide benefits unless you or your employees are totally unable to work.