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Commercial Disability Insurance
Disability insurance can provide vital financial protection in the event that you become unable to work due to an injury or illness. It can help to cover your living expenses and maintain your standard of living while you recover. If you are concerned about the possibility of being unable to work in the future, then commercial disability insurance may be the right choice for you.
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Disability & Group Insurance
Disability Insurance
Pays you income (weekly or monthly) if you can’t work due to illness or injury.
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Covers a portion of your income
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Starts after a waiting period
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Lasts for a set period based on your policy
Group Insurance (Employer Coverage)
Insurance provided through your employer, often paid partly or fully through payroll.
What It Typically Covers
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Doctor visits and hospital care
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Emergency treatment
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Prescription drugs (usually with a co-pay)
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Sometimes dental, vision, and mental health
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May include coverage for spouse and dependents
Key Points
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Usually cheaper than individual insurance
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May limit your choice of doctors (especially with HMO plans)
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Costs can rise if the group has high medical claims
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Often includes COB (Coordination of Benefits) if you have multiple plans
Additional Coverage May Include
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Workplace injuries and rehabilitation
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Lost wages
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Serious illness or disability
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Death benefits
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Employer liability protection
Bottom Line
Disability insurance protects your income. Group insurance protects your health. Together, they form a solid safety net for both you and your employees.
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