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How Disability Insurance Works

How does Disability Insurance work?

First, let’s define what a disability is. Typically, being “disabled” is defined as being unable to work in any occupation that you would be qualified to perform, based on experience or training.

If you are only partially disabled, your DI payments will cap at 50 percent of the full monthly benefit, for a period lasting no longer than 12 months.

After the typical waiting period (from the date you were unable to work)…which can be 30 days, 90 days (typical) or 180 days (the shorter the waiting period, the higher the DI premiums), your DI benefits begin.

And these cash benefits are paid DIRECTLY TO YOU… TAX-FREE!
What type of DI policy is right for me?

What can Disability Insurance do for me?

QUESTION: What is your family’s most important financial asset?

  • Your home?
  • Your car?
  • Your portfolio?

WRONG!

The most valuable ASSET you have…is YOUR ability to earn a living. If you don’t believe us… let’s run the numbers: A 45-year old male making $75,000 per year is projected to earn $3.11 million (including bonuses and raises) by retirement.

Male (Age 45)            $75,000 x 20 Years        $3.11 Million of Lifetime Income

Disability Insurance can also help you pay for non-medical expenses, such as:

  • Home mortgage
  • Car payments
  • Healthcare
  • Groceries
  • College tuition
  • Utilities

And much, much more!

Which type of Disability Insurance policy is right for ME?

Where to start when shopping for disability insurance

Well, that depends on a bunch of factors. But we have TWO convenient ways for you to find out what’s the right amount of Disability Income Insurance for your needs:

AccuQuote’s DIME calculator can give you a quick, general DI quote.

ONE – Get DI coverage..in SECONDS! We have a state-of-the-art, self-serve tool that can quickly give you a quick DI quote, based on a few general criteria (date of birth, height, weight, income level, etc.).

This DIME (Disability Insurance Made Easy) calculator is quick and easy to use. Once approved, you can get a DI policy…in JUST MINUTES!

Here’s what our DIME option offers:

  • BENEFIT: up to $5,000/mo. ($100K Income)
  • BENEFIT PERIOD: 1 year, 2 year, 5 year, and to age 67
  • WAITING PERIOD: 90 days (not available with 1 year benefit period)
  • COST OF LIVING ADJUSTMENT RIDER: This rider increases the monthly benefit payable while you are disabled. Annual increases are based on the increase in the Consumer Index subject to a 4% maximum increase occurring on the anniversary of the date of disability.
  • COST OF LIVING ADJUSTMENT RIDER: This rider increases the monthly benefit payable while you are disabled. Annual increases are based on the increase in the Consumer Index subject to a 4% maximum increase occurring on the anniversary of the date of disability.

So if you want a fast, general DI quote, just click on the “Get Started” button below.

Protect your income and savings with Disability Insurance – RIGHT NOW!

Get a FREE QUOTE…in SECONDS!

Get Started

AccuQuote offers one-on-one DI assessments that are customized to YOUR particular needs.

TWO – If you want a DEEPER, more CUSTOMIZED assessment of your DI needs, you can work with one of AccuQuote’s Disability Income Insurance specialists and receive a more in-depth DI consultation. Our DI experts can work with you to create a personalized profile to ensure that you get the Disability Income Insurance policy that’s just right for you.

Unlike the quick DI quote produced by our DIME calculator, our DI experts can take a deeper dive into your family’s needs…to give you a more thorough Disability Income Insurance evaluation.

Our DI specialists can help you determine:

Your DI Risk – We will work with you to determine your general health status and assess the Disability Income Insurance amount that works for you.

Your Earning Potential – We can help calculate your present and future earning potential and work with your to determine your net worth by the time you plan to retire. These earning calculations can help us determine how much Disability Income Insurance is right for you.

Get an in-depth, individualized DI assessment to determine how much Disability Insurance is just right for YOU!

Talk to ONE-ON-ONE with a DI professional…RIGHT NOW!

Get Started

We only work with highly rated insurance companies – brand names you trust. You may be able to save money without sacrificing quality and strength.