Disability Insurance Illinois

Illinois Disability Insurance Information

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. Illinois
Disability insurance will provide you with an income should you become
sick or disabled.

Even with benefits such as Illinois 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).

Disability Insurance Coverage Features

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 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 individual disability insurance we offer residents
of Illinois by clicking on a link below.

We are a local Chicago, Illinois area insurance agency, offering affordable disability insurance policy
premiums in the following cities and counties: St. Charles, Geneva, Batavia, Chicago, Lafox, Elburn,
Mooseheart, De Kalb, Virgil, Maple Park, Burlington, Kaneville, Cortland, Sycamore, Hampshire, Big
Rock, Hinckley, Wasco, Lily Lake, Valley View, South Elgin, Wayne, Aurora, Naperville,
Montgomery, Warrenville, Moecherville, Winfield, Wheaton, Carol Stream, Bartlett, Streamwood, Glen
Ellyn, Lisle, Glendale Heights, Hanover Park, Elgin, Ontarioville, Keeneyville, Bloomingdale, Medinah,
Roselle, Schaumberg, Hoffman Estates, Carpentersville, Udina, Huntley, Gilberts, West Dundee,
Barrington, Cary, Palatine, Lake Zurich, Libertyville, Wauconda, Inverness, Elk Grove Village, Itasca,
Addison, Lombard, West Chicago, Villa Park, Elmhurst, Oak Brook, Highland Hills, Downers Grove,
Woodridge, Bolingbrook, Darien, Oswego, Yorkville, Sugar Grove, Joliet, Romeoville, Algonquin,
Buffalo Grove, Arlington Heights, Roling Meadows, Mount Prospect, Des Plaines, Bensenville, Homer
Glen, La Grange, Northbrook, Skokie, Evanston, Cicero, Berwyn, Oak Lawn, Burbank, East Chicago,
Waukegan, Mundelein, Deerfield, North Chicago, Newark, Sheridan, Morris, Ottawa, Sandwich,
Serena, Waterman, Rochelle, Marengo, Oak Lawn, Englewood, Calumet Park, Roseland, Landsing,
Dolton, Calumet City, South Holland, Riverdale, Glenwood, Chicago Heights, South Shore, Burnham,
Oak Forest, Bedford Park, Hazel Crest, Alsip, Palos Hills, South Chicago Heights, Orland Park, Kane
County, McHenry County, Dupage County, Kendall County, De Kalb County, Will County, Lake
County, and Cook County, IL. We also offer disability insurance services throughout the state of
Illinois, including in Moline, Rockford, Peoria, Springfield, Bloomington, Decatur, and Champaign.

**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.

Short Term Disability Insurance Policy

Long Term Disability Insurance Policy

Illinois Short Term Disability Insurance Policy Features

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 Illinois Workers
Compensation insurance does not apply.

You would begin receiving money from your Illinois 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 Illinois Short Term Disability
Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can
speak with our Illinois Disability Insurance agent specialist toll free at (877) 232-9899 to discuss
the features.

Illinois Long Term Disability Insurance Policy Features

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 Illinois Workers Compensation
insurance does not apply.

You can begin receiving money from your Illinois 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 Illinois Long Term Disability
Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can
speak with our Illinois Disability Insurance agent specialist toll free at (877) 232-9899 to discuss the
features.

Click here to fill out a Illinois Disability

Insurance quote request form

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!

Click here to fill out a Illinois Disability

Insurance quote request form