Disability Income Insurance You Can Rely On
Disability income insurance is INCOME REPLACEMENT insurance. If you became disabled and unable to work as a result of an accident or illness, what would you and your family do for income?
43% percent of all people age 40 will have a long-term (lasting 90 days or more) disability event by age 65. – JHA Disability Fact Book, 2008
Short-Term Disability policies (STD) have a waiting period (no benefit paid) of 0 to 14 days with a maximum benefit period of no longer than two years.
Long-Term Disability policies (LTD) have a waiting period (no benefit paid) of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.
Banasky Insurance represents insurance carriers with the highest ratings so that your income is secure.