John Ryan

of their income for a set period of time, usually to age 65, if they had a real long-term disability.

Yeah. Well, short-term picks up right away. It can pick up as early as a single day for an accident and a week for a sickness. It helps those who don't have some income saved for that buffer for that 90 days. And so it would provide a weekly benefit for that 90-day period until the long-term disability benefits could kick in.

Yeah. Well, short-term picks up right away. It can pick up as early as a single day for an accident and a week for a sickness. It helps those who don't have some income saved for that buffer for that 90 days. And so it would provide a weekly benefit for that 90-day period until the long-term disability benefits could kick in.

Yeah. Well, short-term picks up right away. It can pick up as early as a single day for an accident and a week for a sickness. It helps those who don't have some income saved for that buffer for that 90 days. And so it would provide a weekly benefit for that 90-day period until the long-term disability benefits could kick in.

Yeah. So security normal retirement age is usually the duration for an employee or a provided plan.

Yeah. So security normal retirement age is usually the duration for an employee or a provided plan.

Yeah. So security normal retirement age is usually the duration for an employee or a provided plan.

Well, yeah. As you would imagine, if I have a disability policy that's going to insure me, if I can't be, for instance, an insurance broker, specifically, even if I could go and do some other line of work, they're still going to pay me my benefit to age 65 versus a policy that says, John, you have to be unable to do any job for wage or profit before we'll pay you a benefit.

Well, yeah. As you would imagine, if I have a disability policy that's going to insure me, if I can't be, for instance, an insurance broker, specifically, even if I could go and do some other line of work, they're still going to pay me my benefit to age 65 versus a policy that says, John, you have to be unable to do any job for wage or profit before we'll pay you a benefit.

Well, yeah. As you would imagine, if I have a disability policy that's going to insure me, if I can't be, for instance, an insurance broker, specifically, even if I could go and do some other line of work, they're still going to pay me my benefit to age 65 versus a policy that says, John, you have to be unable to do any job for wage or profit before we'll pay you a benefit.

You could see how the two are vastly different. One would cost more than the other because the risk is higher to the insurance company. But there are about six different definitions of disability in the disability world, all the way from social security, which is the harshest

You could see how the two are vastly different. One would cost more than the other because the risk is higher to the insurance company. But there are about six different definitions of disability in the disability world, all the way from social security, which is the harshest

You could see how the two are vastly different. One would cost more than the other because the risk is higher to the insurance company. But there are about six different definitions of disability in the disability world, all the way from social security, which is the harshest

least favorable up to the best individual policies on the marketplace have the most precise definition, which favors the insured, obviously costs more, but many insurers are willing to pay it because of the advantage of that precise treatment of their sickness or injury.

least favorable up to the best individual policies on the marketplace have the most precise definition, which favors the insured, obviously costs more, but many insurers are willing to pay it because of the advantage of that precise treatment of their sickness or injury.

least favorable up to the best individual policies on the marketplace have the most precise definition, which favors the insured, obviously costs more, but many insurers are willing to pay it because of the advantage of that precise treatment of their sickness or injury.

Well, it's if you get sick or hurt on the job, the state can provide you some relief in the form of indemnities, disability payments. It's only related to on-the-job illnesses or injuries. How much one would receive as a percentage of income, I'm not sure.

Well, it's if you get sick or hurt on the job, the state can provide you some relief in the form of indemnities, disability payments. It's only related to on-the-job illnesses or injuries. How much one would receive as a percentage of income, I'm not sure.

Well, it's if you get sick or hurt on the job, the state can provide you some relief in the form of indemnities, disability payments. It's only related to on-the-job illnesses or injuries. How much one would receive as a percentage of income, I'm not sure.

It is. It's very hard to get. Social Security usually favors the person that is leased from well-off, I should say. So typically white collar employees and owners are going to be last in line when it comes to qualifying for those kinds of benefits. They usually take care of the less well-off first is typically how that works.