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info@pbinsurancegroup.comBenefits begin after a short waiting period usually no more than 0-14 days. Benefits typically last for a few weeks to a few months but not more than 2 years. STD plans typically replaces between 60 and 70 percent of your pay, depending on the policy.
Benefits begin after a longer period of time typically 90 days. Benefits typically last longer like 5 years or until your Social Security retirement age. It usually covers 40 to 70 percent of your income. If your employer pays your STD or LTD premiums, your benefits are taxed.
At least 51 million working adults in the United States are without disability insurance.
Pregnancies
Musculoskeletal disorders affecting the back and spine, knees, hips, shoulders and other parts of the body.
Digestive disorders such as hernias and gastritis.
Mental health issues including depression and anxiety.
Injuries such as fractures, sprains and strains of muscles and ligaments.
Musculoskeletal disorders
Cancer
Pregnacy
Mental health issues including depression and anxiety.
Injuries such as fractures, sprains and strains of muscles and ligaments.
Your chance of missing work due to an illness, injury or pregnancy is greater than you think!!
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