Disability Information

The misconception out there is that disabilities have to something catastrophic. The reality is that the most
common disabilities in the U.S. are heart disease, back problems, arthritis, asthma, and diabetes. Consider
this: Your income enables you to maintain and protect your family and your lifestyle - your home, car, food,
clothing, tuition and bills. What would you and your family do if your paycheck stopped tomorrow and didn't
begin again for a year? Several years? You may think Social Security will provide adequate disability
income, but the truth is almost 50% of claims are denied by Social Security because applications don't meet
the strict standards as set by the government.

Disability Insurance is a concept everyone understands. You're injured or sick and can't work, so the policy provides you with an income. But
how much money will you get? How soon will the payments start? How long will they go for? We are here to help you understand the concepts
and terms of Disability Insurance.

POLICY BENEFITS: You'll receive a monthly benefit if you are prevented from working in your regular occupation, are not gainfully
employed, and are under the care of a physician.

GUARANTEED RENEWABLE COVERAGE: As long as your premiums are paid on time, the company cannot change your coverage
until the first premium due date on or after your 65th birthday. Premiums are subject to change on a class basis only.

ELIMINATION OR WAITING PERIOD: The time period before your monthly benefit kicks in. You make this choice, and your options
are 60, 90, 180, 365, or 730 days. The faster the benefit kicks in, the higher your premium will be.

BENEFIT PERIOD: Also up to you. This means how long the policy will pay your benefit. You can select from 2 years, 5 years, or to age
65 or 70. As you probably have guessed, the longer the benefit period the higher your premium.

RESIDUAL DISABILITY RIDER: Optional benefit that allows you to receive a partial disability benefit, under certain conditions, if your
disability causes you to lose 20% or more of your earning.

COST OF LIVING ADJUSTMENT (COLA) RIDER: To help your benefits keep pace with inflation, this option automatically increases
your benefit annually after you've been disabled for 12 months.

GOOD HEALTH BENEFIT (REFUND OF PREMIUM): Optional coverage & subject to availability. Provides you with a 50% refund of
the total premiums paid, minus any claims, every five years.

Please read on for more information for your Ohio Insurance Quote for Disability

How much money you will receive in Disability Insurance benefits is based on how much money you make. Typically, a Disability Insurance
policy will provide you with up to 70% of your income. If you're not working, the thought process is that you won't need the full 100%. It's also
set up that way legally, to provide disabled persons with incentive to want to get healthy again and go back to work.

Another big factor in Disability Insurance is your occupation. The more physically active your job, the more likely you might become disabled.
Insurance companies group occupation types into categories. Below is a list of sample occupations for Disability Insurance:

1A - Ambulance Drivers, auto body repair workers, bus drivers, custodians, exterminators, furniture movers, police officers, fire fighters, building
painters, roofers, taxicab drivers, tree trimmers, long haul truckers, water well drillers

2A - Aerobics instructors, automobile mechanics, barbers & beauticians, brick masons, carpenters, chiropractors, local delivery drivers, drywall
installers, electricians, farmers, game wardens, machinists, welders

3A - Cashiers, clergy, dentists and hygienists/technicians, lab technicians, nurses, retail liquor sales, real estate appraisers, surveyors, teachers,
small animal veterinarians, trucking dispatchers

4A - Accountants, attorneys, computer programmers, insurance agents & brokers, librarians, paralegal assistants, real estate agents and brokers,
traveling salespersons, travel agents

Please contact us today for your Ohio Disability Insurance Quote