NY Disability Insurance

New York Disability Insurance

The most valuable resource that anyone possesses is their ability to
provide an income. If everything else that you own or care about is
insured and this ability is removed there may be no way possible to
pay the premiums on other insurance or even to keep that which is
insured. New York Disability insurance will provide you with an income
should you become sick or disabled.

Even with benefits such as New York Workers Compensation and
Social Security, individual disability insurance benefits are still
important. A disability financially can be worse than death, since living
expenses continue and may increase due to a need for expensive
specialized care. Many people also purchase disability insurance to
help ensure a continuous income should they suffer disabilities that
are not covered by Social Security.

Individual disability insurance coverages pay a percentage of your
salary if you become temporarily disabled, meaning that you are not
able to work due to sickness or injury (excluding on-the-job injuries,
which are covered by workers compensation insurance).

Disability Insurance Coverage Features

New York disability insurance policies have a fixed monthly benefit
that does not increase with time, although you can purchase extra
coverage, or riders, that offer higher payment schedules.

Disability types include:

Own Occupation - the inability to perform the duties of your
specific occupation or Any Occupation - the inability to perform
the duties of any job for which your education and training make
you qualified.

You can choose the length of the waiting period on your disability
insurance policy. Waiting periods can range from one week to two
years and the longer you wait the less your disability insurance
policy will cost.

You also can choose the length of the benefit period, which is how
long you will receive monthly benefits once your disability insurance
policy starts paying.

Review the types of individual disability insurance we offer
residents of New York by clicking on a link below.

We are your local Rockland County, NY insurance agency, offering affordable New York disability
insurance policy premiums to residents located in the following cities and counties: Spring Valley,
Congers, Nyack, Palisades, Sparkill, Tappan, Orangeburg, Pearl River, West Nyack, New City,
Blauvelt, Nauraushaun, Nanuet, Chestnut Ridge, Montebello, Suffern, Monsey, Piermont, Rockland
Lake, Wesley Hills, New Hempstead, Pomona, Sloatsburg, Tuxedo Park, Southfields, Ramapo,
Hilburn, Greenwood Lake, Warwick, Bellvale, Wickham Village, Monroe, Harriman, Chester, Goshen,
New Hampton, Highland Mills, Willow Grove, Mt. Ivy, Thiells, Tomkins Cove, Ladentown, Haverstraw,
Stony Point, Tomkins Cove, West Haverstraw, Bear Mountain, Jones Point, West Point, Cornwall-on-
Hudson, Mountainville, Salisbury Mills, Craigsville, Washingtonville, Newburgh, New York City,
Middletown, Poughkeepsie, Port Chester, Harrison, Mamaroneck, Larchmont, New Rochelle,
Yonkers, White Plains, Rye Brook, Scarsdale, Rye, Ardsley, Eastchester, Pelham, Greenville,
Hartsdale, Bronxville, Tuckahoe, Mt. Vernon, Bronx, Irvington, Glenville, Valhalla, Elmsford, Dobbs
Ferry, Hastings-on-Hudson, Greenburgh, Tarrytown, Sleepy Hollow, Hawthorne, Scarborough,
Thornwood, Briarcliff Manor, Ossining, Harmon, Montrose, Crugers, Buchanan, Peekskill, Millwood,
Pleasantville, Armonk, Chappaqua, North Castle, Mt. Kisco, Bedford, Pound Ridge, Bedford Hills,
Cross River, South Salem, Yorktown Heights, Goldens Bridge, Amawalk, Yorktown, Katonah, Salem
Center, Somers, North Salem, Croton Falls, Jefferson Valley, Shrub Oak, Putnam County, Orange
County, Dutchess County, Ulster County, Sullivan County, and Westchester County, NY.

**The information, pictures, and other content in this website about particular insurance services is
only provided for informational purposes. Any decisions regarding your insurance needs should be
discussed with a licensed insurance agent.

Short term disability insurance is sometimes referred to as Accident and Sickness
insurance. It provides benefits for a limited period of time, typically 26 weeks or less.
Short term disability usually provides coverage for accidents or illnesses outside of
work when New York Workers Compensation insurance does not apply.

You would begin receiving money from your New York short term disability insurance
policy within 1 to14 days after becoming sick or disabled. The actual time for
coverage to begin depends on whether you suffer an illness or injury. If you suffer an
injury, your benefits will be paid immediately. If you suffer an illness, it will take longer
because there needs to be sufficient time to show that the illness is grave enough to
be disabling.

You choose the amount of income (up to 66% of your gross income) from $400 to
$2000 a month when you can't work due to an accident or illness.

Benefit periods of up to 2 years!

Short waiting periods 1 to 14 days!

Click on the link below to fill out a secure quote request form for a New York Short
Term Disability Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or you can speak with our New York Disability Insurance specialist at
(845) 426-0868 to discuss the features.

Long term disability insurance provides benefits for a limited period of time, typically 2 or
5 years and is also usually guaranteed renewable until the age of 65. Long term disability
insurance usually provides coverage for accidents or illnesses outside of work when
New York Workers Compensation insurance does not apply.

You can begin receiving money from your New York long term disability insurance policy
when the "waiting period" time chosen for the policy is reached. Typically, 6 months to a
year is chosen for a waiting period in order to reduce your premium, but shorter times are
available.

You choose the amount of income (up to 66% of your gross income) from $400 to $3000
a month when you can't work due to an accident or illness.

Hospitalization Rider pays up to double your benefit per month

(for two months) if an injury or sickness puts you in the hospital!

Click on the link below to fill out a secure quote request form for a New York Long Term
Disability Insurance policy that will provide excellent insurance coverage at an affordable
cost. Or speak with our New York Disability Insurance specialist at (845) 426-0868 to
discuss the features.