The Federal government does not offer you Disability insurance coverage; however, American Benefits Exchange does. You can supplement your government insurance benefits by purchasing our Disability Insurance.
Disability insurance provides you an income if you suffer a disabling illness or injury. This income replacement will help you meet your daily financial needs and obligations while you are recovering.
Short-Term Disability provides coverage for the less serious disabling injuries and illnesses. Waiting periods are usually shorter and coverage typically provides benefits for three, six or twelve months. Guarantee Issue Short-Term Disability provides immediate coverage, no underwriting required and no waiting period.
Long-Term Disability provides coverage for the more serious disabling injuries and illnesses. Waiting periods are usually longer and coverage can range from a few years, up to age 65 or even over a lifetime.