425 G. Street, Suite 405 Anchorage, Alaska 99501
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1-800 478-1008
What is Disability Insurance a description of how Disability Insurance works to prevent
devastating financial loss for you and your family.
Disability Calculator
Copyright AEBS 2009
The material provided on this site is informational only and is not intended to provided legal or tax advice.
For detailed information please contact our office for a client specific review.
For detailed information please contact our office for a client specific review.
Alaska Employee Benefit Specialists
Insurance is a contract transferring risk from yourself to an insurance company. If a bad event happens to you,
the insurance company makes a payment based on the benefits and terms of the agreement.
Most people protect against the risk of being sick with a health insurance policy, you protect your family by
purchasing a Life insurance policy that pays a death benefit. Your car and home are protected from the risk
of theft, fire or damage by purchasing home and auto policies.
An important part of a complete insurance plan is protecting against the risk of loosing your ability to earn an
income. Disability insurance protects your income either for a short amount of time (Short Term Disability) or
a longer period (Long Term Disability). Short and Long Term Disability plans protect your income and help
you maintain your lifestyle while unable to work and collect a paycheck.
Disability plans typically pay 60% of pre-disability earnings. The duration of payment varies as does the
elimination period (amount of time you are disabled before the policy begins to pay). By reviewing your
needs with a trained consultant, you should be able to purchase a disability plan that adequately protects your
income.
Use the Disability Calculator to determine how much risk you could afford to retain and how much protection
you should consider.
the insurance company makes a payment based on the benefits and terms of the agreement.
Most people protect against the risk of being sick with a health insurance policy, you protect your family by
purchasing a Life insurance policy that pays a death benefit. Your car and home are protected from the risk
of theft, fire or damage by purchasing home and auto policies.
An important part of a complete insurance plan is protecting against the risk of loosing your ability to earn an
income. Disability insurance protects your income either for a short amount of time (Short Term Disability) or
a longer period (Long Term Disability). Short and Long Term Disability plans protect your income and help
you maintain your lifestyle while unable to work and collect a paycheck.
Disability plans typically pay 60% of pre-disability earnings. The duration of payment varies as does the
elimination period (amount of time you are disabled before the policy begins to pay). By reviewing your
needs with a trained consultant, you should be able to purchase a disability plan that adequately protects your
income.
Use the Disability Calculator to determine how much risk you could afford to retain and how much protection
you should consider.