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Disability Insurance Coverage Features
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Insurance Plus
15 W. Main Street
Oyster Bay, New York 11771
(516) 922-1200
(212) 268-4473
Fax: (516) 922-5900
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"Your Long Island, NY
Disability Insurance Agent"
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Personal Insurance
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Disability Insurance
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Employee Benefits
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Resource Center
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New York Disability Insurance Specialists
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Website Builder & Supervised by InsuranceWebsiteServices.com
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We are your local Long Island insurance agency, offering affordable New
York Disability Insurance policy premiums in the following New York City area cities and counties: Oyster Bay, Huntington, Glen Cove, Port Washington, Roslyn, Syosset, Jericho, East Hills, Great Neck, South Huntington, Melville, Pinelawn, Farmingdale, Bethpage, Levittown, Lindenhurst, Babylon, Bay Shore, Islip, Northport, Hicksville, Westbury, Mineola, Garden City, Long Island City, Manhasset, Massapequa, Freeport, Lynbrook, Rockville Centre, Hempstead, Elmont, Valley Stream, Long Beach, Oceanside, Amityville, Merrick, Bellmore, Jamaica, Brooklyn, Bronx, Flatbush, Queens, Astoria, Cove Neck, Bayville, Locust Valley, Lattingtown, Matinecock, Mill Neck, Sea Cliff, Centre Island, Brookville, Locust Grove, Muttontown, East Norwich, Old Westbury, North Massapequa, Seaford, Manorhaven, Huntington Station, Huntington Bay, Greenlawn, Commack, Plainview, Deer Park, Farmingdale, West Babylon, Brentwood, Central Islip, East Northport, Centereach, Coram, Riverhead, Lido Beach, New Suffolk, Port Jefferson, and everywhere else in Nassau County, Queens County, Kings County, New York County, Bronx County, Westchester County, and Suffolk County, NY. |
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New York Disability Insurance
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The most valuable resource that anyone possesses is their ability to provide
an income. If everything else that you own or care about is insured and this ability is removed there may be no way possible to pay the premiums on other insurance or even to keep that which is insured. |
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Even with benefits such as New York Workers'
Compensation and Social Security, individual disability insurance benefits are still important. A disability financially can be worse than death, since living expenses continue and may increase due to a need for expensive specialized care. Many people also purchase disability insurance to help ensure a continuous income should they suffer disabilities that are not covered by Social Security. |
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Individual disability insurance coverages pay a
percentage of your salary if you become temporarily disabled, meaning that you are not able to work due to sickness or injury (excluding on-the-job injuries, which are covered by workers' compensation insurance). |
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Disability insurance will provide you with an income
should you become sick or disabled. |
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Disability insurance policies have a fixed monthly
benefit that does not increase with time, although you can purchase extra coverage, or riders, that offer higher payment schedules. |
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Disability types include:
Own Occupation - the inability to perform the duties
of your specific occupation or Any Occupation - the inability to perform the duties of any job for which your education and training make you qualified. |
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You can choose the length of the waiting period on
your disability insurance policy. Waiting periods can range from one week to two years and the longer you wait the less your disability insurance policy will cost.
You also can choose the length of the benefit period,
which is how long you will receive monthly benefits once your disability insurance policy starts paying. |
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Review the types of individual disability insurance we
offer residents of New York by clicking on a link below. |
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Short term disability insurance is sometimes referred to as Accident and Sickness
insurance. It provides benefits for a limited period of time, typically 26 weeks or less. Short term disability usually provides coverage for accidents or illnesses outside of work when New York Worker's Compensation insurance does not apply. |
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You would begin receiving money from your New York short term disability
insurance policy within 1 to14 days after becoming sick or disabled. The actual time for coverage to begin depends on whether you suffer an illness or injury. If you suffer an injury, your benefits will be paid immediately. If you suffer an illness, it will take longer because there needs to be sufficient time to show that the illness is grave enough to be disabling. |
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You choose the amount of income (up to 66% of your gross income) from $400 to
$2000 a month when you can't work due to an accident or illness. |
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Benefit periods of up to 2 years!
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Short waiting periods 1 to 14 days!
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Click on the link below to fill out a quote request form for a short term disability
insurance policy that provides excellent disability insurance coverage at an affordable cost. Or you can speak with one of our New York Disability Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the policy features in more detail. |
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Long term disability insurance provides benefits for a limited period of time,
typically 2 or 5 years and is also usually guaranteed renewable until the age of 65. Long term disability insurance usually provides coverage for accidents or illnesses outside of work when New York Worker's Compensation insurance does not apply. |
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You can begin receiving money from your New York long term disability
insurance policy when the "waiting period" time chosen for the policy is reached. Typically, 6 months to a year is chosen for a waiting period in order to reduce your premium, but shorter times are available. |
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You choose the amount of income (up to 66% of your gross income) from
$400 to $3000 a month when you can't work due to an accident or illness. |
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Benefit periods of 2 & 5 years!
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Short waiting periods 7, 14, 30, and 90 days!
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Guaranteed renewable to age 65
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24 hour coverage - on or off the job!
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$2,500 Accidental Death Benefit included!
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No restrictions on how the money is used!
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No benefit reduction at age 65!
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Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
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Click on the link below to fill out a quote request form for a long term disability
insurance policy that provides excellent disability insurance coverage at an affordable cost. Or speak with one of our New York Disability Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the policy features. |
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