Roughly 1 in 10 people between 18 to 64 years old will experience some level of disability during their working years, according to a study by the University of New Hampshire.
Few experiences are as stressful as becoming sick or hurt and unable to go back to work. Not only do temporary and permanent disabilities take a toll on your physical and mental health, they also can leave you in a very difficult financial position.
More burdensome than a stack of medical bills, an injury or illness that prevents you from working costs you your most valuable asset: the ability to earn an income.
At Better Benefits Group, we offer out-of-work coverage (i.e., short term disability insurance) to help you heal without financial stress. We call it out-of-work coverage because it provides you with finances anytime you are unable to work, including:
Disability insurance can help you cover the many non-medical expenses that occur when you face a serious injury. For example, disability insurance can:
CHOOSING THE RIGHT PLAN
Short term disability can replace a large portion of your income. You need to determine how much you need per month to cover your expenses to choose sufficient coverage.
For short term disability, policyholders typically begin receiving payment between 1 and 14 days after filing a claim.
As the name suggests, short term insurance provides cash to you for a short period of time — typically 3, 6, 12, or 24 months.
Better benefits Group is proud to be one of the few benefits groups in Texas to offer spousal disability. Whether you or your spouse becomes injured or sick, you are protected.
Our short term out-of-work coverage allows you to replace a large portion of your income during maternity leave or if you have pregnancy complications. And with spousal coverage, both men and women can utilize this benefit. When you file a claim, you can use it to replace your income for a few weeks or months when you have a baby.
We are one of the only benefits groups offering benefits for all types of businesses, from sole proprietors to 1099 workers to large corporations.
Many of our disability plans are guaranteed‐issue, which means there are no underwriting questions or screening questions for pre-existing conditions.
We offer plans that include guaranteed renewable for your entire working years — no age limit.
Short term disability insurance is high flexible and can replace a large portion of your income in a wide variety of circumstances.
Please contact us to learn more about short and long term disability coverage. We look forward to serving you.