Disability insurance [Disability Income insurance, or Income Protection] is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of his work. It encompasses paid sick leave, short-term disability benefits, and long-term disability benefits.
Those whose employers do not provide benefits, and self-employed individuals who desire Disability coverage, may purchase policies. Premiums and available benefits for individual coverage vary considerably between companies, occupations, states and countries. In general, premiums are higher for policies that provide more monthly benefits, offer benefits for longer periods of time, and start payments of benefits more quickly following a Disability claim. Premiums also tend to be higher for policies that define disability in broader terms, which means that the policy would pay benefits in a wider variety of circumstances.
Business Overhead Expense (BOE) coverage reimburses a business for overhead expenses should the owner experience a disability. Eligible benefits include: rent or mortgage payments, utilities, leasing costs, laundry/maintenance, accounting/billing and collection service fees, business insurance premiums, employee salaries, employee benefits, property tax, and other regular monthly expenses.
One of the most common reasons for disability is on-the-job injury, which explains why the second largest form of Disability insurance is that provided by employers to cover their employees. There are several subtypes that may or may not be separate parts of the benefits package: workers' compensation and more general Disability insurance policies.
Acadia Insurance
800-244-9446
Allstate
Report Online
800-255-7828
Dairyland Insurance
Auto: 800-225-1390
Cycle: 800-325-9559
Foremost Insurance Group
Report Online
800-527-3907
The Hanover Insurance Group
Report Online
800-628-0250
The Hartford
Report Online
800-243-5860
Business Insurance: 800-327-3636
Jewelers Mutual Insurance Company
Report Online
800-558-6411
MEMIC
Report Online
800-636-4292
MMG Insurance
888-343-0533 (M-F, 8:00-4:30)
888-869-8700 (after hours)
Patriot Insurance Company
Report Online
866-460-1776
Patrons Insurance
800-542-7032
Peerless Insurance
800-522-7152
Philadelphia Insurance Companies
800-873-4552
Progressive
Report Online
800-776-4737
Travelers
Report Online (Personal)
Personal Insurance: 800-252-4633
Report Online (Business)
Business Insurance: 800-832-7839
Union Mutual of Vermont
Report to GHM: 207-873-5101
Acadia Insurance
Call GHM: 800-244-9046
Allstate
Pay Online
800-901-1732
Dairyland Insurance
Auto: Pay Online
Auto: 800-2334-0090
Cycle: Pay Online
Cycle: 866-324-7952
Foremost Insurance Group
Pay Online
800-532-4221
The Hanover Insurance Group
Pay Online
800-573-1187
The Hartford
Pay Online
800-624-5578
Jewelers Mutual Insurance Company
800-558-6411
MEMIC
Pay Online
800-660-1306
MMG Insurance
Pay Online
888-664-2455
Patriot Insurance Company
Personal: Pay Online
Business: Pay Online
Patrons Insurance
Pay Online
866-611-7887
Peerless Insurance
Pay Online
800-228-7830
Philadelphia Insurance Companies
Pay Online
877-438-7459
Progressive
Pay Online
800-776-4737
Travelers
Pay Online
800-842-5075
Union Mutual of Vermont
Pay Online
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