A serious injury or illness can keep you out of work. For a long time. With no paychecks coming in. Are you prepared for that? Disability insurance protects your income when you need it most. Disability coverage gives you have some income so you can focus on getting better, if possible. There are both short term and long-term disability income protection.

How your disability plan works

Benefit amount
The amount you receive is usually based on your annual salary, commissions, or other forms of income from your employer, depending upon your disability plan.* You can find out if you qualify and how much you will be paid by reading your plan summary. This explains the details of your plan, including any limitations or offsets that may apply, based on other income you are receiving during your disability (such as offsets for certain Social Security Disability Income payments). Please read your plan carefully. 

How it works
You need to file a claim to start getting your payments. The claim should describe:

• Your injury or illness
• How long it will take to recover
• The date you first missed work

We will also need medical information about your injury or illness from your doctor. And you will need to send us medical updates while you are out of work. This helps us determine if you are eligible for payments.

Start date
You need to miss a certain number of work days before your disability pay starts. This is called an elimination period. During this time, you will normally use your company paid sick time or vacation. Read your plan summary for more information. Your human resources person can also help you learn more.

Returning to work
A disability case manager and/or a rehabilitation consultant may work with you to help you get back to work, if possible. Remember, your illness or injury may affect your ability to perform the duties of your occupation. You may need special devices or training to help you return to work and meet your career goals.

How InsFilings will help you determine

Here in InsFilings, you will not receive "one-size fits all" approach to your health insurance needs. That’s because we put ourselves in your shoes and evaluate your own unique situation with an open mind and empathetic ears, investing the time to deeply understand. InsFilings will then work with you on a flexible and practical insurance solution for you and your family.

Benefits of InsFilings Health Insurance

Premium Flexibility
We will research all available method of payment for your convenience.

Choice of coverage
Every Carriers are different. Choose from over numerous insurance carriers that suit your needs.

Fast easy claims over the phone
Without fraustration and the hassles of paperwork

Friendly professional staff
Who are committed to help every single customer

The promise of InsFilings
Whose success is built on a commitment to superior customer service and keeping promises

There are many health coverage options available. You might have insurance through an employer. Or you might start your coverage with InsFilings. Either way, knowing the basics will help you to get the most out of your health insurance coverage.

By requesting a free no-obligation quote, you authorize InsFilings to contact you regarding insurance quotes. If we reach your voicemail, we may leave you a pre-recorded message with more information about your quotes.