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} .Forms .row .name .error { right:0px; } #ContactForm table tr { display:table-row; margin-bottom:0px; } #ContactForm table tr td { display:table-cell; padding:4px; } #ContactForm table tr td.rowname { text-align:right; } #ContactForm .field { width:304px; } .contact .details .box { margin:40px; } .contact .details .box.hours { border: none; padding-top:0px; } .contact .map { width:730px; } .calculator .iconEnv { position:relative; text-align:left; } .calculator .iconEnv.ACA { width:200px; } .calculator .iconEnv.ACA.Rev { position:absolute; margin-left:-100px; top:-50px; } .calculator .icon.ACA.Rev { top:-200px; margin-left:-140px; } .calculator .section .buttons.Rev { height:100px; width:250px; } .calculator .icon { width:200px; height:200px;; margin-top:0px; margin-bottom:0px; margin-right:10px; position:absolute; top:0px; } .calculator .icon.ACA { margin-left:-180px; top:-30px; } .calculator .icon.Supplemental { margin-left:-30px; top:-20px; } .calculator table { width:auto; max-width:700px; 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} .page.fourofour .content { margin-top:30px; } .trustpilot { left:0px; bottom:47px; } .staffs { width:730px; } .staffs .left { float:left; width:220px; margin-right:30px; } .staffs .right { float:left; width:470px; } .staffs .staff { float:left; width:220px; margin-bottom:30px; } .staffs .staff img { width:220px; } .staffs .staff .role { font-size:0.9em; } .staffs .staff.toshiko .role { font-size:1em; } .staffs .right .staff:nth-child(odd) { clear:both; } .staffs .right .staff:nth-child(even) { margin-left:30px; } .content .twocolumns .col.left .donation .pupps { width: 250px; } .ui-selectmenu-menu .ui-menu { max-width:calc(100% - 17px); } .OpenEnrollment { font-size: 32px; } .OpenEnrollment .clickhere { font-size: 1em; } .container { width:980px; sborder:solid 1px #f30; } .topbar .orange { font-size:29px; } .topbar ul li { font-size:14px; margin:0px 0px; } .topbar ul li.faq .submenu { right:-80px; } .topbar ul li ul.submenu { position: absolute; text-align: left; sbox-shadow: 1px 4px 8px rgba(0,0,0,0.3); 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} .banner .overlay .tollquote .calc .calculatorBtn { width:272px; height:70px; font-size:20px; padding-top:8px; border-radius:18px; } .banner .overlay .tollquote .toll { font-size:20px; margin-top:15px; width: 288px; } .banner .overlay .tollquote .toll .phonerow { margin-top: 10px; } .banner .overlay .tollquote .toll .phone { font-size:25px; margin-top:10px; } .pagebanner { height:330px; margin-left: auto; margin-right: auto; } .pagebanner .container { width:994px; position:relative; } .pagebanner img { margin-left:0px; } .pagebanner .bannerimg { height:326px; margin-left:-175px; } .pagebanner .logo { width:198px; left: 30px; top: 38px; } .pagebanner .tollquote { font-size:24px; } .pagebanner .tollquote .calc { font-size:18px; } .pagebanner .calculatorBtn { padding-top:7px; width:272px; height:68px; font-size:20px; } .pagebanner .tollquote .toll { font-size:18px; width: 312px; } .pagebanner .tollquote .toll .phone { font-size:22px !important; } .page .content .container { width:auto; } .content { font-size:18px; } .content h1 { font-size:43px; } .content.mainCalc .container { width:auto; margin-top: -20px; } .content.mainCalc h1 span , .content.mainCalc h1 .dash { display:inline; } .content.mainCalc h1, .calc .content h1 { font-size: 44px; } .calc .content h1.motorcycle { font-size:38px; } .calc .content h1.auto, .calc .content h1.homeowner { font-size: 36px; } .page .content.mainCalc.cont { margin-top:40px; } .calculateRates { font-size: 38px; margin-left: -10px; margin-top: 10px; } .content .secure { margin-top: 15px; font-size: 0.8em; text-align: right; margin-right: 150px; width: 100%; } .content .secure .seals { top: -70px; left: 10px; } .content .secure .seals img { height:65px; } .content .secure .seals img.secured { margin-right: 5px; } .content .secure .ssl { right: 50px; top: -60px; width:110px; } .content .secure.mainCalc .ssl { right:10px; top:10px; width:100px; margin-bottom:50px; } .content .secure.mainCalc .seals { left:0px; } .content .secure strong { margin-right: 190px; } .content.mainCalc .calculateRates { font-size:34px; 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} .page .content.cont { margin-top:-70px; } .page .content.prefoot { width:100%; } .page .content.prefoot .container { width:980px; } .calculator .iconEnv.ACA { width:257px; } .calculator .iconEnv.ACA.Rev { width:200px; } .calculator .icon { width:247px; height:auto; } .calculator .icon.Life { margin-left:-20px; } .calculator .icon.Supplemental { margin-left:-60px; top:-20px; } .calculator table { width:auto; max-width:800px; } .DentalQuote { margin-left:-50px; } .yellowbar .schedule { font-size:28px; } .bluebar { } .bluebar .morechoices { font-size:80px; line-height:1.1em; } .bluebar .calculate { font-size:42px; } .bluebar .calculatorBtn { font-size:25px; width:272px; height:45px; } .bluebar .call { font-size:26px; } .bluebar .phone { font-size: 60px; } .footer { padding-top:50px; } .footer .newsletter { font-size:48px; } .footer .newsletter .button.subscribe { width:200px; margin-bottom:40px; } .footer .newsletter .pop.hide { bottom:300px; } .footer .logos img { height:90px; } .trustpilot { left:0px; bottom:0px; } .ui-selectmenu-menu .ui-menu { max-width:900px; } .ui-menu .ui-menu-item { max-width:900px; }
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.
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.
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.
Please call us at 786-970-0740 for more information and to obtain a quote for disability insurance.
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.