Long Term Disability Basics

Posted by on Mar 19, 2012 in Featured Articles. | 0 comments

Disability Income
A working age person is three times more likely to have a disability
lasting 90 days or more than they are to die before age 65!

To get a proposal: Send a Request to scott@marcouxinsurance.com

Client Information Needed: Name, State of Residence, Age, Gender,Occupation, Tobacco Use, Duties, Who is paying Premium, Income, Group LTD, Individual DI, Other-Medical Conditions

No need to specify benefits unless there is something specific

Disability Insurance – Business Overhead Expense – Disability Buy-Out


Primary White Collar Carriers: Principal, Standard, MetLife

Primary Grey Collar Carriers: Standard, MetLife

Primary Blue Collar Carriers: Assurity, Standard, Mutual of Omaha


Guaranteed Renewable – Non Cancellable (Non-Can)

Own Occupation (Own Occ) – Your Occupation – Any Occupation

Waiting Period – Monthly Benefit – Social Insurance Substitute

Benefit Increase – Cost of Living Increase – Benefit Duration


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