Miami, Florida Area Disability Insurance
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The most valuable resource that anyone possesses is their ability to
provide an income. If everything else that you own or care about is
insured and this ability is removed there may be no way possible to pay
the premiums on other insurance or even to keep that which is insured.
Miami, Florida area Disability Insurance will provide you with an income
should you become sick or disabled.
Even with benefits such as Florida Workers Compensation and Social
Security, individual disability insurance benefits are still important. A
disability financially can be worse than death, since living expenses
continue and may increase due to a need for expensive specialized
care. Many people also purchase disability insurance to help ensure a
continuous income should they suffer disabilities that are not covered by
Social Security.
Individual disability insurance coverages pay a percentage of your salary if you become temporarily
disabled, meaning that you are not able to work due to sickness or injury (excluding on-the-job
injuries, which are covered by workers compensation insurance).
Miami, FL Area Disability Insurance Coverage Features
Miami, Florida area disability insurance policies have a fixed monthly benefit that does not increase
with time, although you can purchase extra coverage, or riders, that offer higher payment schedules.
Disability types include:
Own Occupation - the inability to perform the duties of your specific occupation or Any Occupation
- the inability to perform the duties of any job for which your education and training make you
qualified.
You can choose the length of the waiting period on your Miami, Florida area disability insurance policy.
Waiting periods can range from one week to two years and the longer you wait the less your disability
insurance policy will cost.

You also can choose the length of the benefit period, which is how long you will receive monthly
benefits once your disability insurance policy starts paying.

Review the types of disability and supplemental insurance we offer residents of south Florida by
clicking on a link below.
Miami, FL area insurance agents offering Florida disability insurance in the following south Florida
cities and counties: Coral Gables, Kendall, Richmond Heights, Pinecrest, Howard, Coral Way
Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North Bay
Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Medley,
Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka,
Bunche Park, Hialeah Gardens, Palm Springs North, Carol City, Norland, Ojus, Miami Lakes,
Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura, Uleta, Miramar,
Pembroke Pines, North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park, Hollywood,
Dania Beach, Cooper City, Davie, West Miami, Weston, Plantation, Playland Isles, Melrose Park,
Lauderhill, Sunrise, Tamarac, Fort Lauderdale, Wilton Manors, Oakland Park, Lauderdale Lakes,
Sea Ranch Lakes, Pompano Beach, Margate, Coral Springs, North Lauderdale, Lighthouse Point,
Hillsboro Beach, Coconut Creek, Deerfield Beach, Boca Raton, The Hamptons, Highland Beach,
Boca West, Delray Beach, Boca Pointe, Boynton Beach, Lantana, Rainbow Lakes, Atlantis, Lake
Worth, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm Beach, Golden
Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Jupiter, Juno
Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler
Ridge, Princeton, Perrine, Naranja, Homestead, Florida City, Leisure City, Miami-Dade County,
Broward County, and Palm Beach County, FL. Miami, FL area insurance agents can also offer
affordable Florida disability insurance policy quotes throughout the Sunshine State, including in
Jacksonville, Tallahassee, Orlando, Gainesville, Daytona Beach, St. Petersburg, and Tampa, FL.

Miami, Florida area short term disability insurance is sometimes referred to as Accident and Sickness
insurance. It provides benefits for a limited period of time, typically 26 weeks or less. Short term
disability usually provides coverage for accidents or illnesses outside of work when Florida Workers
Compensation insurance does not apply.
You would begin receiving money from your Miami, Florida area short term disability insurance policy
within 1 to14 days after becoming sick or disabled. The actual time for coverage to begin depends on
whether you suffer an illness or injury. If you suffer an injury, your benefits will be paid immediately. If
you suffer an illness, it will take longer because there needs to be sufficient time to show that the
illness is grave enough to be disabling.
You choose the amount of income (up to 66% of your gross income) from $400 to $2000 a month
when you can't work due to an accident or illness.
Benefit periods of up to 2 years!
Short waiting periods 1 to 14 days!
Click on the link below to fill out a secure quote request form for a Miami, FL area Short Term
Disability Insurance policy that will provide excellent Florida disability insurance coverage at an
affordable cost. After submitting the quote request form, a Florida Disability Insurance agent
specialist in the Miami, FL area will contact you to speak with you in more detail about your Short
Term Disability Insurance needs and to provide you with a quote or quotes.
Miami, Florida area long term disability insurance provides benefits for a limited period of time, typically
2 or 5 years and is also usually guaranteed renewable until the age of 65. Long term disability
insurance usually provides coverage for accidents or illnesses outside of work when Florida Workers
Compensation insurance does not apply.
You can begin receiving money from your Miami, Florida area long term disability insurance policy
when the "waiting period" time chosen for the policy is reached. Typically, 6 months to a year is
chosen for a waiting period in order to reduce your premium, but shorter times are available.
You choose the amount of income (up to 66% of your gross income) from $400 to $3000 a month when
you can't work due to an accident or illness.
Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
Click on the link below to fill out a secure quote request form for a Miami, FL area Long Term Disability
Insurance policy that will provide excellent Florida disability insurance coverage at an affordable cost.
After submitting the quote request form, a Florida Disability Insurance agent in the Miami, FL area will
contact you to speak with you in more detail about your Long Term Disability Insurance needs and to
provide you with a quote or quotes.
Benefit periods of 2 & 5 years!
Short waiting periods 7, 14, 30, and 90 days!
Guaranteed renewable to age 65
24 hour coverage - on or off the job!
$2,500 Accidental Death Benefit included!
No restrictions on how the money is used!
No benefit reduction at age 65!
**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed with
a licensed insurance agent.
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