DISABILITY INSURANCE How would a disability affect your employees' life?
And what impact would it have on their family’s lifestyle?
Even families that watch their spending can find it painful to miss a paycheck.
It’s a fact of life: Even comfortable middle class families quickly become less comfortable when regular income is disrupted.
Policies that can cover you for up to two years
Depending on the plan you select, Combined Insurance’s disability policy covers you when you are totally disabled and cannot work due to accident or sickness, for up to two years.
Prepare for the unexpected
Combined Insurance offers supplemental insurance that provides benefits that your major medical insurance may not. Combined Insurance’s valuable products and personal service can help make sure you and your family get the coverage you need. Our policies are easy to understand and our professional agents are always ready to help.
The policy is:
- Comprehensive: You’re covered 24 hours a day, 7 days a week, whether you’re at work or on your own time.
- Convenient: Benefits are paid directly to you, not to the hospital or facility where you are being treated.
- Comforting: This policy is yours, independent of your employer. You can switch jobs but keep the same insurance policy
Combined Insurance’s disability policy makes payments directly to your employee – not their doctor, not you. They can use the money to help cover whatever expenses you have.
As they recover, and move from total disability to partial, Combined Insurance’s disability policy can continue to pay them a partial benefit for up to three months or remainder of the maximum benefit period, whichever is less.
After 14 days of total disability. Combined Insurance will waive their premium payments while they remain disabled, until the end of the maximum benefit period. So that’s one less expense for them to worry about.
Learn more about Disability
The information provided by this document is only a brief description. See the actual policy for complete details of the policy plans, features, benefits, options, rates, definitions, limitations, and exclusions. Products vary by state and are subject to availability and qualifications.
Life, accident & sickness and disability insurance policies issued by Combined Insurance Company of America in all states, except New York. In New York, life, accident & sickness and disability insurance policies issued by Combined Life Insurance Company of New York (Latham, NY). Combined Insurance Company of America is not licensed and does not solicit business in New York.