what is the best company to get disability (accident or illness) insurance from for the money?
112884
Sheer is right. It will depend on your particular circumstances. Contact a financial planner in your area that has insurance expertise. They will be able to help you find the right policy for you. I typically find good value from Principal for white collar/entrepreneurs, Illinois Mutual for Blue Collar/Special Risk and Pro Financial for High Comp execs and atheletes.
1120751
myuhc.com\ni have that insurance...
92602
Depending on what state you are in, there may be a high risk pool administered by your state.  Contact your state's Department of Human Services or other organization.  A high risk pool is great for people who are going to have very high medical bills, but you will have to pay premiums which are likely going to be much higher than if you were healthy.\nYou might also shop around for "short-term" medical insurance.  Insurers are more willing to write people who may be sick under those short term policies because the insurers knows a date certain that they will no longer be responsible.
181102
get an attorney that specializes in disability law
407972
Try... http://www.longislandinsurance.net
369892
I would check with the state you live in. For example my state (NY) has a plan called healthy NY for working people that have no insurance at reasonable rates. Go to your state's website to check.
266769
When buying individual disability insurance the question of "how much do I need?" takes a back seat to the question "how much can I get?". Insurers base their policy structure on a maximum replacement percentage. While this limit varies a little from company to company and even occupational class to occupational class, you typically cannot get a benefit amount greater than 66-70% of your gross income. the last thing the insurer wants is for the insured to make more money being on disability than if they went back to work.\n\nJust as important, maybe even moreso, is checking the policies definition of disability. It will either be an "any occupation" (Any Occ) or "own occupation" (Own Occ) definition. You want to get a policy that uses the Own Occ definition. Here's the difference:\n\nOwn Occ: Benefits paid if you are sick or injured and cannot perform the material duties of your occupation.\n\nAny Occ: Benefits paid if you are sick or injured and cannot perform the material duties of your occupation, or any other occupation for which your experience and education is appropriate.\n\nOne last note: Assuming you are buying individual coverage, you probably do not want to claim the preiums as a tax deduction. As you already know, your benefit amount will be capped at around 70% of your gross. This should roughly equate to your net pay after taxes. If you deduct your premiums any benefits paid will be taxable. If you do not deduct the premiums then any benefits are tax free.
1177571
Aflac is great. Eight years ago I broke my leg and was off work for 4 months. Thankfully I had Aflac. I had the short term disability and the accident policies. I received over 7,000 and it sure did help. And the agents were very nice and helpful. I think it is a great company.
676661
There is a decent insurance sold by the Better business beurau in California.  You might call the BBB in your state if they have a similar plan. \n  \nOtherwise Stay away from HMO's and discount cards.
193765
It will be very hard to find individual coverage that will include the pre-existing condition, impossible to find it at a cheap price. I hate to say it but COBRA is probably your best bet at this point. To bear more bad news, COBRA is limited to 18 months. Will you be disabled longer than 18 months? if so I am afraid you'll be forced to take what you can get.
72556
You can call the disability office and ask them. If it is mere motion sickness my guess would be it is not covered. They like to save disability insurance for more severe illnesses.
1047213
Anything BLUE!! the Blues association is nation wide, and the plans are really good. You will know that with your Blue plan, you will get reliable service and claims will always get paid. Each state has its own Blue plan (like Blue Cross or Blue Shield or both combined) If you are young and healthy, go with a higher deductable PPO, they are cheaper.
490576
Disability is critical to protect the income stream of the any income earner.  Not just to protect the loss of income to the family, but also to cover the living and medical expenses of the disabled.\n\nHowever, you need to evaluate the policy.  $250/month sounds like a lot, but it might be because you're getting a high coverage.  Generally, you should insure about 2/3 of your current income.  Because the benefit will not be taxable if you pay the premium using after-tax dollars.\n\n- Does the policy cover own occupation or any occupation?  Get one policy that at least cover own occupation for the first several years of disability.\n\n- Does the policy pay up to age 65, or for a duration like 5 to 10 years?  The longer the payment, the higher the premium.\n\n- Is there a social security income rider? The premium will be cheaper with this rider since the insurance will work in conjunction with the SSI not in addition.\n\nIt's true that group policies are much cheaper than individual ones.  However, those policies will cease when your husband leaves work or is laid off.  It's still wise to own your own disability policy.  But if the job is relative secure, you might opt for a smaller coverage on your individual disability policy which will bring the premium down.\n\nAlso, if you pay the premium annually or quarterly, it's always cheaper than paying monthly.
276129
Try www.ais-insurance.com
1045869
I'm sorry to hear your situation but you do have options. You can compare quotes from InsureMe. They offer you several quotes and accept many medical conditions.\n\nYou can also look into life insurance with no medical exam required. This may cost a little more, but you get quick approval, if qualified. There's no exam, no agent to deal with, and no delays. Try out quotes from both options. And good luck with getting your coverage placed at a reasonable rate. Take care.\n\nhttp://www.term-life-online.com
784313
If your question is "can you purchase DI insurance now that you have arthritis", the general answer is no.  Most companies feel this is a disease that will get progressively worse and your chances of becoming disabled are greater than the average person.  However, if you are trying to collect, SS is your best bet, but be prepared for a fight.
393360
First of all you can't just pick a price. There are alot of types of life and disability insurance. For instance life insurance is a whole different thing from disability insurance. There are many kinds of life insurance plans such as; cash value ins., whole life ins., universal life ins., variable life ins.My best suggestion is to find a local life agent with the knowledge to help you understand what all the difference are. Everything is pretty simple to understand you just have to specify your needs. Everyone has different plans for the future so find a local agent. Right now I would for a Farmers Agent in  and not just because I work there Farmers offers alot of great plans for people like you. And every Farmers agent has been trained with the lastest information on needs like yours.