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Almost two-thirds of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career, but the actual odds for a worker entering the workforce today are about 25%.


Social Security Admin, Fact Sheet 2/7/2013
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General *
Disability Insurance *
What is disability insurance and how does it work?

Why do I need supplemental disability insurance?

Who is eligible to enroll?

What gaps in my benefits do your programs fill?

Do I have to take a physical exam?

Is there a pre-existing condition?

How do I enroll?

How do I pay for the plan?

When does the coverage become effective?

Can I change or cancel the plan?

Can I take the coverage when I retire or leave my job?

Questions on Maternity Guidelines?

How long are benefits paid?

What are waiting periods?

What other exclusions or limitations exists?

How do the Disability Insurance Plans compare?

What are my federal leave and disability benefits

How does my leave and disability impact finances?

What’s wrong with my leave and disability benefit?

Who is the insurance carrier?

What is Workplace Possibilities?

Accident Insurance *
Critical Illness Insurance *
Medical Gap – Inpatient/Outpatient *
Claim Forms *

* click to expand list