Maintain your standard of living if you're unable to earn a paycheck because you’re disabled.
Long-Term Disability Insurance
Disability coverage provides you with the support you need if you were to become hurt or sick and could not work. Long-term disability insurance can offer years of replacement income, lasting well into your 60s in many cases, while short-term disability helps during a temporary injury or illness, or when you give birth.
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
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?
Need more disability insurance coverages?
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
