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Disability Rates

Save Money on Short or Long Term Disability Rates With one of our National Disabiltiy Insurance Companies.

Whether you are looking for short term disability insurance to cover a short term illness or injury or you want protection from the threat of a catastrophic illness or injury, we have affordable disability options to make sure you get the best coverage at the lowest rates.


Disability Insurance Rates Disability insurance provides you with a portion of your missing income if you become too sick or disabled to continue working.  Short term disability typically cover 6 months or less after the defined waiting period and long term disability coverage usually begins repalcing lost income after 6 months of being disabled. 


Personal Disabiltiy Quotes

Contact a Life and Disability Insurance Specialist at The Insurance Shop today and let us walk you through the process of understanding all of your options for disability insurance.  Or complete the PDF form below and email or fax it to us so we can start a disability quote for you.


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Disability Insurance Facts

According to the National Association of Insurance Commissioners, the average 35 year-old individual has a 50% chance of becoming disabled for three months or longer before they reach age 65. 


Individuals are three times more likely to become disabled than they are likely to die porior to age 65. 


Insurance Disability- Definition

The most critical part of purchasing a disability policy is understanding how "disability" is defined by the policy.


There are two common insurance definitions of disability:


The best definition of disability for insureds defines it as the inability to perform your own or current occupation.


The other definiton of disability defines it as the inability to perform any occupation you may be suited or qualified for.



Disability Insurance


Long Term vs Short Term Disability

Long term disability is the more common form  of coverage.  Most people can find the resources to survive a short-term disabiltiy such as friends and family, paid leave, work comp insurance, and savings.  This makes it less needed than long term coverage.

Long term disability insurance will typically kick in at around 6 months after the disability onset.  Policies can be written to pay around 60% of your annual salary for several years or all the way up to age 65.

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