☰ ˟
Contact Us Today / 888.862.0322
Logo
  • HOME
  • Get A Quote
    • Automobile
    • Business & Commercial
    • Earthquake
    • Health
    • Homeowners
    • Life
    • Motorcycle
    • Renters
    • Vision
    • Workers Compensation
  • Blog
  • Make A Payment
  • Resources
    • Refer a Friend
    • Insurance Glossary
  • About Us
    • About Dentists Insurance
    • Our Team
    • Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join our Newsletter

What type of coverage do you need?

Disability Insurance

What are the types of disability insurance?
Disability Insurance Quote

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):
  1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
  2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

  1. Non-cancellable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
  2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy cancelled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

  • Additional purchase options
    Your insurance company gives you the right to buy additional insurance at a later time.
  • Coordination of benefits
    The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
  • Cost of living adjustment (COLA)
    The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
  • Residual or partial disability rider
    This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
  • Return of premium
    This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
  • Waiver of premium provision
    This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.
For additional information please contact us at info@dentistsinsure.com or by phone at 888-336-3831.

Our Customer Feedback

Read More

Our latest blogs

  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
Dentists Insure
6119 La Granada
Suite B #2395
Rancho Santa Fe, CA 92067
We've successfully served hundreds of customers and are determined to treat each individual with respect and compassion. Shopping for insurance can be difficult, but our staff does the work for you. Maintain your peace of mind knowing that our insurance professionals have your back.
We're here for you
Home Page/ About Us/ Contact Us/ Our Blog/ Latest News/ Join Our Mailing List/ Refer A Friend
Quick Help Links
Quote Forms/ Service Forms/ File a Claim/ Make a Payment/ Insurance Glossary/ FAQs
Icon Icon
Icon Icon Icon
Social Icon Social Icon Social Icon
© Copyright. All rights reserved. Powered by Insurance Website Builder