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Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!

Short- and Long-Term Disability Insurance

Short- and Long- Term Disability Insurance

Short-Term Disability Insurance generally is available to pay benefits for up to 3, 6, 12, 18, or 24 months. This type of insurance is offered by specialty carriers as well as some of the traditional health insurance carriers.

Long-Term disability Insurance is available through many carriers. Eligibility depends on occupation and earnings level.

Both types of insurance are underwritten, and eligibility is based on medical history.

The terms of your particular long-term disability policy will dictate how long your benefits continue. Although many plans pay benefits until age 65, others pay for a fixed number of years, often five or ten. If you become disabled after age 60, most plans allow you to receive benefits even after you turn 65 (usually up to the age at which you are eligible for full, unreduced Social Security benefits).

Virtually all policies currently limit payments for disabilities based on mental or nervous disorders, usually to 24 months of benefits.

Failing to obtain ongoing medical treatment and returning to work may also terminate your benefits.

Disability insurance is not offered to Medicare beneficiaries.


What's Your Personal Disability Quotient (PDQ)?

Your PDQ represents your chances of becoming seriously ill or injured and unable to work for an extended period of time. And with so much riding on your ability to earn an income, it's one very important number to know. To calculate your PDQ, you'll need to answer six simple questions.

Calculate Your Needs

You can use this simple tool from Life Happens to calculate the income you would need to maintain your standard of living if you become disabled and are unable to work.

Contact Us For Information

Please call us at 877-734-3884 for more information and to obtain a quote for disability insurance.

2022 Schedule
Affordable Care Act Open Enrollment

Open enrollment for 2022 ACA plans runs from November 1, 2020 through January 15, 2022 on the federal facilitated marketplace.
You do not need to have a “qualifying life event”
to qualify during open enrollment.

You may be eligible to enroll for another type of plan.
Call us at 561-734-3884 or 877-734-3884 for details.

2022 Schedule
Medicare Annual Enrollment Period

Medicare Annual Enrollment begins October 15, 2021 and
ends December 7, 2021 for a January 1, 2022 effective date.

You’re eligible to enroll now if you’re first becoming eligible for
Medicare or are eligible for another type of enrollment period.
Enrollment rules differ between Medicare Supplement plans and
Medicare Advantage, Medicare Advantage Prescription Drug,
and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 or 877-734-3884 for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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