Do you feel you have less coverage, higher deductibles & out-of-pocket expenses? The perception of the general public, has and will continue to be that Disability Income Insurance is not as useful or necessary to most individuals as Medical or even Life Insurance....
The distinction in this nomenclature is that these benefits are not provided by the employer as part of a compensation package. The characteristics of employer-provided short-term disability benefits are: You must have used up all of the leave (sick AND vacation)...
Talk to 20-yr-olds about purchasing Disability Insurance, and they look at you as though you have grown a second head. This demographic almost always thinks that only “old” people get disabled; that there will be plenty of time to obtain this type of coverage. They...
