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Long-Term Disability Income Insurance

Producers are also avid users of social media. Historically, producers have networked within a defined geographic territory. Because people generally only buy from producers they trust, developing trust has generally meant face-to-face interaction. However, as people grow more accustomed to trusting relationships developed online, producers who excel at developing such relationships will likely pursue licenses and sales opportunities outside traditional geographic areas. Social media provides producers with an opportunity to change dramatically how they build relationships and market their products. The use of social media allows producers to provide a 24/7 “kitchen table” where customers. | A serious illness or injury can harm more than your health it can have an impact on your ability to work and meet your family s living expenses. Long-term disability income insurance helps you pay living expenses while you are unable to work. It offers paycheck protection providing cash directly to you for spending on mortgage payments or rent groceries utility bills car payments or whatever else you choose. A policy also can pay for training or other assistance you may need to return to work. With disability income insurance you can avoid depleting the savings you may have accumulated for your children s education or your retirement. This guide outlines the features and costs of individual disability income insurance and offers tips and a checklist on buying the policy right for you. Getting Started Determining Your Resources Before purchasing an individual long-term disability income insurance policy evaluate the benefits you may already be eligible to receive from your employer the government or other programs. Employee Benefits Disability benefits from your employer may include workers compensation insurance for work-related injuries. For short-term illness your employer may provide sick leave shortterm disability insurance or both. For a longer illness lasting six months or more your employer may provide group long-term disability income insurance. Sick leave and short-term disability coverage from your employer can range from a few days to as much as a year depending on your company s benefits and your length of employment. Group long-term disability coverage through employers replaces part of your salary if you are disabled and unable to work. A typical policy replaces at least half of your salary up to a specific maximum benefit such as 5 000 per month. Long-term benefits begin when short-term disability benefits stop. Benefits from group long-term disability policies generally continue until either age 65 or your retirement age under Social Security or .