Pennsylvania Disability Insurance

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. Pennsylvania Disability Insurance will
provide you with an income should you become sick
or disabled.

Even with benefits such as Pennsylvania 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).

PA Disability Insurance Coverage Features

Pennsylvania 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 Pennsylvania
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
Pennsylvania by clicking on a link below.

Short Term Disability Insurance Policy

Long Term Disability Insurance Policy

Pennsylvania Short Term Disability Insurance 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 Pennsylvania Workers Compensation insurance does not apply.

You would begin receiving money from your Pennsylvania 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 Pennsylvania Short
Term Disability Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or you can speak with our Pennsylvania Disability Insurance agent
specialist, John Christianson at 484-221-8598 to discuss the features.

Pennsylvania Long Term Disability Insurance 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 Pennsylvania Workers Compensation insurance does not apply.

You can begin receiving money from your Pennsylvania 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 Pennsylvania
Long Term Disability Insurance policy that will provide excellent insurance
coverage at an affordable cost. Or you can speak with our Pennsylvania
Disability Insurance agent specialist at 484-221-8598 to discuss the features.

Click here to fill out a

Pennsylvania 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

Pennsylvania Disability Insurance

quote request form

**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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We are a local Allentown, PA insurance agency offering affordable disability insurance
policies to residents of the following Pennsylvania cities and counties: Emmanus,
Hellertown, Whitehall, Cetronia, East Texas, Lanark, Dorneyville, Wagnersville,
Catasauqua, Walbert, Farmersville, Stiles, Friedensville, Mechanicsville, Hanover, North
Catasauqua, Stroudsburg, King of Prussia, Springfield, Woodlyn, Chester, Norwood, Ridley
Park, Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge, Yeadon, Upper
Darby, Secane, Milmont Park, Garden City, Wallingford, Morton, Aldan, Primos, Pilgrim
Gardens, Colwyn, Lester, Essington, Eddystone, Landsdowne, Fernwood, Milbourne,
Havertown, Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn Valley,
Bala-Cynwyd, Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph
Mills, Gladwyne, Conshohocken, Kings Manor, Swedeland, Swedesburg, Bridgeport,
Norristown, Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley,
North Hills, West Conshohocken, La Mott, Cheltenham, Melrose Park, Elkins Park,
Glenside, Wyncote, Roslyn, Abington, Huntingdon Valley, Rydal, Meadowbrook,
Jenkintown, Hollywood, Rockledge, Somerton, Bustleton, Torresdale, Holmesburg, Tacony,
Kensington, Feltonville, Frankford, Olney, Andalusia, Cornwells Heights, Bridgewater,
Croydon, Bensalem, Nottingham, Bristol, Edgely, Newportville, West Bristol, Strafford,
Devon, Berwyn, Port Kennedy, Newtown Square, Gradyville, Cheyney, Concordville,
Narberth, Milltown, Westtown, Trainer, Marcus Hook, West Chester, Lancaster, York,
Reading, Bethlehem, Pottstown, Coatesville, Kulpsville, Warminster, Montgomeryville,
Levittown, Valley Forge, Malvern, Green Tree, Paoli, Devault, Chatwood, Goshenville,
Sugartown, Glenloch, Chester Springs, Audubon, Eagleville, Evansburg, Worcester, Blue
Bell, Center Square, Fort Washington, Doylestown, Chalfort, Quakertown, Perkasie,
Sellersville, Soudertown, Willow Grove, Warrington, Morrisville, Ambler, Lower Gwynedd,
Washington Crossing, New Hope, Richboro, Feasterville, Southampton, Langhorne,
Holland, Newtown, Yardley, Philadelphia County, Delaware County, Montgomery County,
Chester County, Bucks County, York County, Northampton County, Berks County,
Lancaster County, and Lehigh County, PA. We can also offer disability insurance policies
throughout Pennsylvania, including the Philadelphia area.