Life Secured Plus • Disability Income
Disability Brochure
PDF • Plan details
Helps replace income when an injury or sickness keeps you from working — so you can stay current on bills while you recover.
No obligation. Coverage amounts, waiting periods, and availability vary by state and plan. Refer to the brochure for exact terms.
Most people insure their car and home — but not their paycheck. If you’re unable to work due to an injury or sickness, this coverage can help replace income so you can keep up with essentials while you recover.
Disability income coverage helps provide money you can use for everyday bills when your paycheck is interrupted.
Many short-term disability plans provide 24-hour protection for covered disabilities caused by both accident and sickness, depending on state approvals and plan selection.
If you return to work part-time after a period of total disability, a partial disability benefit may apply when there is a qualifying loss of income (see brochure details).
Disability plans typically require that you be unable to perform the important duties of your occupation, be under a physician’s care, and not be working another job while disabled.
How it works: Choose a weekly benefit amount, an elimination period (waiting period), and a maximum benefit period. If you become disabled due to a covered condition and meet the policy definition, benefits are paid after the waiting period.
Benefits are typically selected in set increments and are designed to help replace income during a covered disability.
Short-term disability may cover qualifying disabilities caused by accident or sickness, subject to definitions and exclusions.
Definitions, limitations, benefit amounts, and durations vary by state and policy form. Always rely on the brochure for official terms.
Example only (not a guarantee): You’re unable to work for several weeks due to a covered sickness or injury. Disability income coverage can help you stay financially stable while recovering.
I’ll help you pick the best options for your budget and your job type.
Benefits generally begin after the elimination period is satisfied, as long as you meet the policy definition of disability and are under a physician’s care.
Many plans include a partial disability benefit if you return to work part-time after total disability and still have a qualifying loss of income. See the brochure for details.
Some policies have special limitations for certain conditions (often including mental/nervous and substance-related conditions). Refer to the brochure for your exact rules.
Some plans include childbirth provisions with specific rules and limits. See the brochure for details.
If you already have this coverage and need help starting a claim, contact me and I’ll help you through the process.
Claim eligibility and benefit duration depend on the terms of your policy and state-specific brochure.