(504) 305-4141

(225) 963-6383

Disability Insurance

Importance of Disability Insurance to an Employee

The disability option is an element of the State Disability Insurance program. The policy was launched to offer partial wage benefits to eligible workers. The covered employees are not able to work because of non-work-related injury, illness, or pregnancy. Premiums are met through employee payroll deductions.

How Is It For?

The council states that the disability insurance policy is applicable to the following group of persons:

  • Average employee with a 30% chance of becoming incapacitated.
  • Twelve percent of persons living in the region that receives disability offer.
  • Disabled citizens in any working center who are the ratio of one to eight.

 

Home + Auto

Life + Income

Business

Contractors

How Does It Work?

Different packages have differing terms. Your employer could be offering short and long-term in your policy. Most employers pay the premium while others provide partial payment and you end up sharing the costs. It is necessary to know the provided plans since they offer 70% of your wages when you face disability. You will start to receive allowance immediately after the medical practitioner confirms that you have become disabled. The insurance company works with hospitals and your bank to make sure you receive the compensation money to cater for the medical bills.

Types of Policies

The insurance options comprises of different products that include:

  • Pregnancy
  • Paid Family Leave Bonding Claim
  • Reduced Wages ( DI and PAL)
  • Part-Time Worker (DI and PAL)
  • Paid Family Leave Care Claim
  • Workers’ Compensation (WC)
  • Reduced Wages (DI and PAL)

Major Benefits

Health insurance covers the medical bills after an injury or accident. Disability options pay for your mortgage, childcare expenses, and daily living costs after the event. The plan is open for individuals who wish to safeguard their future against unseen misfortune. Make the right choice to avoid financial distress after the occurrence.

Talk to your employer about the insurance covers they choose for you. Create time and meet insurance providers to learn about the composition of such covers. Talk to past clients about the period taken to receive compensation. Go for the specialized insurance to receive compensation on time after an accident and take you to your financial position before the accident.

Other Policies

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Disability Insurance

coverage now!

(504) 305-4141

2109 31st Court
Kenner, LA 70065

(225) 963-6383

10241 Coursey Blvd. Ste D
Baton Rouge, LA 70816

2109 31st Court Kenner, LA 70065

10241 Coursey Blvd. Ste D Baton Rouge, LA 70816

(504) 305-4141