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Who needs disability insurance?

You may think the chances of becoming disabled are slim, but statistics tell a different story. Should the unforeseen injury or illness occur, be prepared and protected with individual coverage.

    * Each year nearly 1 in 5 people become disabled for 1 year or more before the age of 65.1
    * One in seven can expect to be disabled for five years or more.2
    * Almost half of all home foreclosures are the result of a disability. While just 3% are due to death.3
    * Nearly half of the 1 million Americans who filed for bankruptcy protection least year did so after being sidelined by an unexpected illness or injury.4
    * Nearly 70% of all disabled people that apply, are rejected for Social Security benefits*.5

* Social Security Disability Benefits are reserved for people totally and permanently unable to do any job. It may not cover all interruptions of income due to injury or sickness.

1. McNeil, J.M. (1997) Americans With Disabilities: 1994-95, "U. S. Census Current Population Report," PP 70-61, Washington, D.C.: US Department of Commerce.
2. Health Insurance Association of America, 2000.
3. Housing and Home Financing Agency of the U.S. Government1998.
4. New York Post, April 3, 2000. "There's No Insuring you Won't Go Bankrupt"
5. Social Security Annual Statistics (1999) "Million Dollar Round Table Reference Guide, " PP6.15.1
 

It's easy to get a Disability Income Insurance Quote. Get the coverage you need to protect you and your loved ones. Simply fill out the quote request form below.  If you need further information, please visit click the following links:

  
 

long term disability insurance | individual disability insurance | disability insurance plans
 
 
 Contact Information
First Name: Last Name:
State: E-mail
Preferred Contact Number: Alternate Number:
Preferred time to Call:
 Personal Information
Date of Birth:
Gender:

Male Female

Are you pregnant or planning to be pregnant in the next year?
Yes No
1. Have you used tobacco products or nicotine substitutes in the past 12 months?
 Yes   No  
2. Do you take any prescription medication?
Yes No
Please provide details – medication, dosage and reason for medication.
3. In the last 5 years, have you been hospitalized or had surgery?
Yes No
Please provide details - diagnoses, dates, history, etc.:
 Employment Information
4. Are you employed full-time (at least 30 hours/week)? Yes No
5. Annual Income:
6. City, State or Federal employee?
City No State Federal
For how many years?
7. What is your occupation? (*Physicians please provide your specialty.)
8. Please describe your duties at work:
Task 1 % of Time
Task 2 % of Time
9. Where is your office location
Home Outside Both
What % of time do you work at home?
 Disability Coverage Details
10. Are you disabled and/or receiving disability payments Yes No
11. Do you own or are you covered by other disability Insurance. Yes No
Type of coverage  Group   Individual  
Benefit amount per month? $ (ex. 5000)
12. Are you requesting new coverage or do you want to replace or add to existing coverage?
13. What amount of monthly benefit would you like us to quote for you?

$

Thank you for your quote request. Look for information from us shortly.

 

 

4-Disability-Insurance-Quotes specializes in Non-Cancelable Guaranteed Renewable contracts with a True Own-Occupation definition providing services for the following professionals:
   
Non-Interventional & Interventional Physicians
Medical Professionals
Dentists  
Attorneys
Business Owners & Consultants
Engineers
Accountants
Executives
IT Professionals

To receive a quote, please fill out the disability insurance quote request form. To find out what your needs are, our site provides a wealth of information and tools to assist you. If we can provide you with any further help, please feel free to contact us.

The Need for Disability Insurance Coverage

When you encounter a disability, your life is transformed. Your immediate efforts are channeled into maintaining a reasonable quality of life with the only resources you have available, all while trying to regain your health in order to return to work.

Obviously, your family will also feel the strain both emotionally and financially during this crisis. You must consider their perspective in such a situation as they will undoubtedly have questions and concerns. Are they worried about losing a major source of income?  Are they thinking that they now must contribute financially to your needs?  How will that impact their lives and compromise their goals?

So as a substantial income producer for the household, you have to ask yourself:

  • What if I can’t work any longer?
  • How will the bills be paid?
  • Will my family suffer because they have come to rely on my income?
  • Will I have to liquidate our entire savings and/or retirement to carry us through my disability?
  • What can I possibly do to help my financial situation at this time?

These are questions that certainly most of us would rather not think about.  Many people, when presented with the opportunity to acquire coverage, either procrastinate or opt to take their chances without it not fully understanding consequences of their “inaction.” They might ask, “Why do I need coverage? Nothing will ever happen to me! And even if something did happen, my health insurance will cover it.” Maintaining this approach is literally gambling with the health and welfare of you and your family. Is that a risk you are willing to take?

  • What if your health insurance does not cover any or all of medical bills?
  • Who will pay your daily living expenses if your leave off work is longer than you think?
  • Do you have enough savings to cover an unforeseen absence?
  • What if you are not able to return to work?

In assessing these questions, it is clear the answer is long term disability insurance to protect your health, family’s needs, lifestyle and property against risk.  Please fill out the above quote form so that we can do our best to provide you with information and service that is specific to your needs.
 

 

  

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Long term disability income insurance quotes for Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.
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