We “shop the market” to find you the best insurance value
We work for you, not the insurance companies.
We design a plan to fit your budget
We balance your needs versus your budget.
We can find coverage for your lifestyle
We work hard to find coverage for all health risks
Most common Denver Disability Insurance questions from our clients
I have disability insurance through an employer, is that enough?
First off, if your employer offers group disability insurance take my advantage of it. Group policies typically replace up to 60% of your gross income. That may not be enough to live on. Adding supplemental coverage should bring your coverage closer to 80%.
What is the difference between short-term and long-term disability insurance?
Short-term disability has a shorter waiting period to get paid (usually 14 days) and a shorter payout period (usually a maximum of 6 months). Long-term disability has a longer waiting period (typically 90 days) and offers a significantly longer payout period (several options up to age 70).
Are disability insurance payments taxable?
YES and NO. You will not pay income tax benefits from a disability policy where you paid the premiums with after-tax dollars. Conversely, you will pay taxes if the premiums were paid with pre-tax dollars.
