Stay on top of medical costs and day-to-day expenses by replacing a portion of your normal income.

Coughlin Short-Term Disability Insurance

Short-term disability insurance is an insurance product that replaces your income for a short period of time in the event that you experience a disability. You may need to use a disability insurance policy to provide income while you’re unable to work. While long-term disability insurance can offer years of replacement income, short-term disability helps during a temporary injury or illness, or when you give birth.

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Short-Term Disability Insurance

  • Typically replaces 60% to 70% of base salary
  • Pays out for a few months to one year, depending on the policy
  • May have a short waiting period, such as two weeks, after you become disabled and before benefits are paid
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Long-Term Disability Insurance

  • Typically replaces 40% to 60% of base salary
  • Benefits end when the disability ends. If the disability continues, benefits end after a certain number of years or at retirement age.
  • A common waiting period is 90 days after disability before benefits are paid

Interested in an insurance proposal at no obligation or cost?

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Coughlin Insurance Services, Inc.
178 Myrtle Boulevard, Floor 2, Larchmont, NY 10538
Toll Free : (800) 542-0661 Tel: (914) 834-1234 Tel: (212) 593-0200

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