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Disability FAQs

What Is Disability Insurance?
Disability insurance will pay a portion of your salary if you become disabled and are unable to work. While your employer may cover some portion of your previous earnings, it is a good idea to talk to an experienced agent about adding Disability to a new or existing policy. 

What is the difference between Long-Term and Short-Term Disability?
Short-Term Disability is essentially treated as sick leave. If you are out of work for a few weeks your employer may continue to pay a salary not from the payroll budget, but from the Short-Term Disability that is provided as a benefit of the job.

Long-Term Disability is also a replacement of your salary, usually lasting more than a few months but less than two years. A very few employers will continue Long-Term Disability until you turn 65 or qualify for Social Security Disability. If you are completely disabled, it still often takes at least two years to qualify for SSI. Thus your Disability insurance on the job can provide you with at least part of your salary. 

Do I really need an individual Disability policy?
If you want an income that will allow you to keep paying your mortgage or providing for your family, you must consider Disability insurance. Statistically, if you are under the age of 40, you are much more likely to become disabled than you are to die. Knowing that you will have an income if an unforeseen illness or accident happens provides peace of mind.

Will Mortgage Disability accomplish the same thing as private Disability insurance?
Mortgage Disability is a type of insurance that pays the bank should you become disabled and unable to earn enough money to pay your mortgage. You pay a premium for the policy, but the bank collects the benefit. This type of insurance, depending on the exact terms, may keep you from losing your home, but it will not provide an income for other bills and living expenses.

How long does it take to begin collecting benefits under a Disability policy?
Most Disability insurance policies have a waiting period of 30 to 90 days. Taking a longer waiting period lowers your premium, but it is critical to have enough money in savings to be able to pay your bills for several months while waiting for the Disability benefits to begin. 

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Allstate
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Dairyland Insurance
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Auto: 800-2334-0090
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Cycle: 866-324-7952

Foremost Insurance Group
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The Hanover Insurance Group
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The Hartford
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800-624-5578

Jewelers Mutual Insurance Company
800-558-6411

MEMIC
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800-660-1306

MMG Insurance
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888-664-2455

Patriot Insurance Company
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Business: Pay Online

Patrons Insurance
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866-611-7887

Peerless Insurance
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800-228-7830

Philadelphia Insurance Companies
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877-438-7459

Progressive
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800-776-4737

Travelers
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800-842-5075

Union Mutual of Vermont
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