Call Us 623-237-3481 ☰ ˟
Affordable Local Life, Health and Medicare Supplement Quotes | Licensed Insurance Agents In Glendale, AZ.
Call Us: 623-237-3481
  • About Us
    • About Us
    • Our Reviews & Testimonials
    • Privacy Policy
  • Services
    • MedicareImage of right arrow
      • Pre-Medicare
    • Individual HealthImage of right arrow
      • Dental
      • Vision
    • Life Insurance
    • Group Health
    • Supplemental
    • Annuities
    • Disability Insurance
    • Long-Term Care Insurance
    • Property & CasualtyImage of right arrow
      • Automobile Coverage
      • Homeowners Coverage
    • Business InsuranceImage of right arrow
      • Business Funded Life Insurance
      • General Liability
      • Commercial Auto
      • Key-man Insurance
  • Get A Quote
  • Resources
    • ACA Affordable Care Act
    • Tax Planning Tables
    • Insurance Glossary
    • Calculators
    • Important Links
    • News Center
  • FAQ
    • How Much Life Insurance Do You Need?
    • Policy Review Request
    • Refer a Friend
    • Employee Benefits
  • Contact
    • Join our Newsletter
    • Contact Us
    • Location(s)
  • Nearby
    • Agents In Anthem AZ
    • Agents In Cave Creek AZ
    • Agents In Glendale AZ
    • Agents In Surprise AZ
    • Agents In Phoenix AZ
    • Agents In Peoria AZ
  • Blog
Medicare Icon

Medicare & Medicaid Coverages

Find out if you are eligible.  Explore dual Medicare options.

Learn More
Group and Individual Health and Life Icon

Individual Health & Life Insurance

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business & Commercial Insurance

Discover gaps in coverage your business may be experiencing.

Learn More
Auto and Home Icon

Auto & Homeowner Insurance

Compare competitive rates and make sure you have all the coverage you need.

Learn More
Disability and Long-Term Care Icon

Disability Insurance & Long-Term Care

Learn your options for future insurance needs that you may not have considered.

Learn More
Home > Disability Insurance Agent Near Phoenix, AZ | Protect Yourself From The Risk Of Lossed Income From A Disability

Disability Insurance


Disability Insurance Information

What are the types of disability insurance?

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

  1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
     
  2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

  1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
     
  2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

  • Additional purchase options
    Your insurance company gives you the right to buy additional insurance at a later time for an additional cost.
     
  • Coordination of benefits
    The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
     
  • Cost of living adjustment (COLA)
    The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
     
  • Residual or partial disability rider
    This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
     
  • Return of premium
    This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
     
  • Waiver of premium provision
    This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.
  •  

Contact us today for more information about Disability Insurance

Local Service Areas Near Me

Phoenix, Arizona
Peoria, Arizona
Anthem, Arizona
Cave Creek, Arizona
Surprise, Arizona
Glendale, Arizona



Get A Disability Insurance Quote

 

Disability Insurance Quote Forms

Need a Quote? Why wait, click the link below!

Disability Quote

Resources

Home
About Us
Products
Get A Quote
Resources
FAQ
Contact

Services

Life Insurance
Group Health
Individual Health
Long-Term Care Insurance
Disability Insurance
Dental
Vision
Supplemental
Medicare
Annuities

Service Areas

Phoenix, AZ
Anthem, AZ
Glendale, AZ
Cave Creek
Surprise, AZ
Peoria, AZ

Contact Us

Fortress Insurance Services

20325 N 51st Ave Ste 134
Glendale, AZ 85308

Phone: 623-237-3481
Fax: 623.237.3481
Email

Social Media

 

icon   a drawing of a face   a drawing of a face   a drawing of a face  text


The Fortress Companies
The Fortress Companies

© Copyright. All rights reserved. | Powered by Insurance Website Builder