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Disability Insurance

Long-Term Disability

Long-term disability insurance may replace a portion of your income if you become disabled for more than several weeks. This coverage can provide up to a maximum of $20,000 per month in income.

Long-term disability insurance may be helpful for clients looking for clients who need:

A benefit amount of up to $20,000 per month
Long-term financial protection in the event of an extended disability
A simple underwriting process and product
Longer-term protection, over 2 years

Long-Term Disability Insurance Product Specifications

Issue ages: 18 – 61 years
Monthly benefit: up to $20,000
Elimination period: 60, 90, 180, or 365 days
Benefit period: 2-year, or 5-year. To age 65 or 70
Guaranteed level premium rates to age 65

Short-Term Disability

Short-term disability insurance provides income in the event one becomes disabled and cannot work, up to a maximum of $5,000 per month. Short-term disability benefits can pay a portion of your income if you can’t work for several weeks due to a covered injury or illness — or childbirth.

Short-term disability insurance is great for clients looking for the following:

A benefit amount of up to $5,000 per month
A simple underwriting process and product
Short-term financial protection in the event of a disability

Short-Term Disability Insurance Product Specifications

Issue ages: 18 – 61 years
Monthly benefit: up to $5,000 per month
Elimination period: 0 – 90 days
Benefit period: 3, 6, 12 or 24 months
Premium rate is fixed until coverage ends at age 67

Book some Time

Our licensed experts will review a client annuity, service an existing account, or simply present an overview of the Simplicity OID platform.