John Ryan

That's right.

That's right.

It usually will cover the employee in their job, usually for a certain period of time at least, if they should get sick or become unable to perform the important duties of that job. And benefits usually begin after, say, a 90-day waiting period. And then it pays a certain percentage income replacements.

It usually will cover the employee in their job, usually for a certain period of time at least, if they should get sick or become unable to perform the important duties of that job. And benefits usually begin after, say, a 90-day waiting period. And then it pays a certain percentage income replacements.

It usually will cover the employee in their job, usually for a certain period of time at least, if they should get sick or become unable to perform the important duties of that job. And benefits usually begin after, say, a 90-day waiting period. And then it pays a certain percentage income replacements.

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

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

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