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Disability Insurance

DISABILITY INSURANCE

Disability Insurance

In 2023, a total of 33,501 persons in the USA were legally disabled; Half of all people with a disability were age 65 and over.

Steve Turner
Insurance Agent & Broker

Do I Need Disability Insurance?

Disability Insurance

If an accident turns into a partial or full disability, the financial impact can be life-changing. Disability insurance will save you when the regular paycheck stops coming due to a disability. Whether you need disability insurance for yourself, your family, or your business, I can help you find a plan that works for your budget.

Many people are unfamiliar with Disability Insurance and don’t know where to start when exploring a policy that will fit their needs. Terms such as “Benefit Amount,” “Benefit Period,” and “Elimination Period” can be intimidating at first, but answering these three questions can help make it easier to understand your disability insurance options. It will assist you and your agent in designing the right Disability Insurance plan for you:

  • How much do you need to cover your monthly living expenses? (Benefit Amount)
  • How long do you need your disability benefits to last? (Benefit Period)
  • How long could you last without a paycheck? (Elimination Period)

I can help you figure out the answers to these three questions and present you options for disability insurance that meets your needs.

How I Can Help You

Disability Insurance

SHORT-TERM DISABILITY

Short term disability benefits payout when you have been injured, or are suffering from an illness or condition that is severe enough to disable you — in other words, enough to prevent you from fully and adequately handling your job/career duties for a specified time period (up to one year, usually). 

Benefits vary depending on the insurance plan, and sometimes, on the nature of the work that you are involved in.  Some plans pay a percentage of your wages, while other plans pay a set amount of funds (that does not vary, regardless of your wages or other supplementary earnings). 

The time structure of payment — weekly, monthly, etc. — may also vary, depending on the insurance plan.

Let’s talk so we can figure out what works best for you.

LONG-TERM DISABILITY

In Florida, most long-term disability policies pay out 50 to 66 percent of your pre-disability income. You may also be entitled to reimbursement for medical bills and other related expenses.

Let’s talk so we can figure out what works best for you.

FLORIDA DISABILITY BENEFITS

If you have an illness or injury that prevents you from being able to work, you may be entitled to Florida disability benefits.

However, which benefits programs you can access depends on several key factors including your income, work history and whether your health issues are work related or not.

Let’s talk so we can figure out what works best for you.

Disability INSURANCE AGENT AND BROKER NEAR ME

Disability Insurance

As your Disability Insurance Agent and Broker, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Disability Insurance agent, I take the burden off your shoulders by custom-tailoring Disability Insurance packages to fit your needs.

I can help you save on severe medical emergencies and find a Disability insurance plan that offers low- to no-cost doctor visits and prescription medication. I will show you plans where your doctors are in-network and a side-by-side comparison of your prescription costs with the different plans.

Disability insurance is constantly changing, and I work tirelessly to stay informed about the latest developments in the market.

I am a long-standing National Association of Benefits and Insurance Professionals® (NABIP.ORG) member and hold the prestigious Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.

After you choose your Disability Insurance plan, I provide ongoing support all year; you won’t have to call an (800) number any longer.

If you have any questions, issues, or concerns about your plan’s benefits, you can contact me via phone, text, or my simple-to-use email contact form using the buttons below.

Steve Turner, Your Helpful Licensed Agent and Broker

FAQ

Disability Insurance

Disability insurance – also called disability income insurance – replaces a portion of your income when you’re too sick or injured to work. The benefits you receive can be used for anything you want or need, including your Mortgage and Utilities. [Disability Insurance]

For example, a short-term policy might pay if you just had a baby or had surgery and temporarily can’t work. A long-term disability policy might pay if you were hurt in a car wreck or have a long-term illness and don’t expect to be able to work again. [Disability Insurance]

Disability insurance helps by replacing some of your lost income so you can continue to pay your mortgage, utilities, childcare, and other everyday expenses. The money from your disability insurance policy can also help you avoid draining your savings or retirement accounts. [Disability Insurance]

The Social Security 5-year rule refers specifically to disability benefits. It requires that you must have worked five out of the last ten years immediately before your disability onset to qualify for Social Security Disability Insurance (SSDI). [Disability Insurance]

A vital component of an individual disability income insurance policy is the price (or premium). Premium rates are based on the insured’s age, gender, monthly benefit, waiting period, optional riders, and the insured’s occupational classification. [Disability Insurance]

If you have a spouse, children, or other family members you support – and would feel a financial burden if illness or injury kept you from earning income, then disability insurance can be an essential source of financial protection. [Disability Insurance]

  • Disability insurance can be expensive.
  • Coverage costs more the older you get or the more dangerous your job is
  • Policies can come with exclusions that don’t cover pre-existing conditions.
  • Waiting period.
  • If you never experience a disability, you won’t receive benefits.

[Disability Insurance]

If you have a job and rely on your income, you most likely need disability insurance. Disability insurance can be thought of as insurance for your paycheck. It ensures that if you cannot work due to illness or injury, you will continue to receive a portion of your income to help you make ends meet. [Disability Insurance]

To receive benefits, you must:

  • File a claim for DI benefits using SDI Online or by mail.
  • Complete a seven-day, unpaid waiting period.
  • Have earned at least $300 in wages subject to SDI deductions (“CASDI” on your paystubs) during the 12-month base period of your claim.

[Disability Insurance]

How an insurance company defines a disability is essential when buying a disability insurance policy. The three most common disability definitions are any occupation, modified occupation, and own occupation. [Disability Insurance]

REVIEWS + LOCATION

Serving 1 Best Disability Insurance

CONTACT STEVE TURNER INSURANCE AGENT & BROKER

I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.

Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious designation of Registered Employee Benefits Consultant®. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare, and related services.

Steve Turner is a licensed agent appointed by Florida Blue.

EMAIL ME: 24×7


OFFICE LOCATION

STEVE TURNER INSURANCE SPECIALIST

STEVE TURNER REBC®

14502 N DALE MABRY HWY

SUITE 200

TAMPA, FL 33618

Website: steveturnerinsurancespecialist.com

Email: [email protected]

Phone and Text: +1.813.388.8373

Business Hours:

Monday: 7 am to 8 pm

Tuesday: 7 am to 8 pm

Wednesday: 7 am to 8 pm

Thursday: 7 am to 8 pm

Friday: 7 am to 8 pm

Saturday: 7 am to 8 pm

Sunday: 7 am to 8 pm

SERVICE AREA – USA

The United States: Facts and Top Visitor Sites

The United States of America is a vast and diverse country encompassing a wide array of cultures, landscapes, and iconic landmarks. Here are some key facts and top attractions:

Facts about the USA

The United States is a vast and diverse country, offering a rich tapestry of culture, history, and natural beauty. Here is a comprehensive overview of key statistics and top visitor attractions across the nation.

Key U.S. Statistics and Economic Overview

The United States is a global leader in population, economy, and innovation, attracting people from all over the world.

  • Population and Demographics: As of 2025, the U.S. population is projected to be over 343 million people, making it the third most populous country in the world. The population is diverse, with a significant Hispanic and Latino population that accounts for a large portion of the recent growth. The median age is around 39 years, and a growing segment of the population is over 65, reflecting an aging nation.
  • Geography: Third largest country by land area, behind Russia and Canada. It stretches across 3.8 million square miles and boasts 4 million miles of roads.
  • National Parks: 63 national parks across the nation.
  • Government-owned Land: 37% of the land is owned by the government (federal, state, and local).
  • Diversity: The US is a diverse country, with a growing non-white population. Non-Hispanic white people currently make up the largest ethnic group, but their share of the population has decreased over time. The Hispanic population has seen the most significant growth, increasing by 23% between 2010 and 2020.
  • Languages: While English is the primary language, Spanish is the most common non-English language spoken at home, followed by Chinese and Tagalog.
  • Aging Population: Americans are living longer, with the 65 and older population increasing significantly.
  • Economy & Key Industries: The U.S. economy is the largest in the world by nominal GDP. Its economic strength is built on several key industries:
    • Financial Services: This sector is a global powerhouse, centered in cities like New York, with major hubs for banking, insurance, and investment.
    • Technology and Information Technology (IT): The U.S. is a world leader in technology, with major tech hubs in Silicon Valley, Austin, and Seattle, driving innovation in software, hardware, and digital services.
    • Healthcare and Social Assistance: As the largest private employment sector in the country, healthcare is a massive industry with a high demand for skilled workers and ongoing innovation.
    • Manufacturing: The U.S. manufacturing sector is a backbone of the economy, producing everything from automobiles and aerospace components to medical equipment and consumer goods.
  • Work from Home Trends: More Americans are working remotely compared to pre-pandemic times. In 2022, 15% of Americans worked from home, up from 6% in 2019. 

Top Places for Visitors to Explore in the USA

The United States offers an incredible variety of destinations, from iconic cities to breathtaking national parks.

  • New York City, New York: A global icon, New York City is famous for its vibrant culture, world-class museums, and iconic landmarks. Visitors can explore Times Square, see a Broadway show, visit the Statue of Liberty, and walk through Central Park. The city offers an endless array of dining and shopping experiences.
  • The Grand Canyon, Arizona: A breathtaking natural wonder carved by the Colorado River, the Grand Canyon National Park is a must-see. Visitors can take in panoramic views from the South Rim, hike into the canyon, or take a helicopter tour for a unique perspective.
  • Las Vegas, Nevada: Known as “The Entertainment Capital of the World,” Las Vegas is famous for its casinos, luxury hotels, and spectacular live shows. The Las Vegas Strip is a bustling boulevard with unique attractions and a vibrant nightlife.
  • Orlando, Florida: The “Theme Park Capital of the World,” Orlando is home to some of the world’s most famous attractions, including Walt Disney World Resort and Universal Orlando Resort. It is a top destination for families and anyone seeking a thrilling, magical vacation.
  • Washington, D.C.: The nation’s capital is a city of history and monuments. Visitors can explore the National Mall, which connects the Lincoln Memorial, Washington Monument, and the U.S. Capitol. It’s also home to the Smithsonian Institution’s world-class museums.
  • Yellowstone National Park, Wyoming: As the first national park in the U.S., Yellowstone National Park is a marvel of geothermal activity and wildlife. It is home to the famous Old Faithful geyser, the Grand Prismatic Spring, and a wide variety of animals, including bison, bears, and wolves.
  • San Francisco, California: This iconic city on the West Coast is famous for the Golden Gate Bridge, its historic cable cars, and diverse neighborhoods. Visitors can explore Fisherman’s Wharf, Alcatraz Island, and the beautiful Golden Gate Park.
  • Hawaii: The state of Hawaii is an archipelago in the Pacific Ocean known for its stunning natural beauty, volcanic landscapes, and rich Polynesian culture. Visitors can relax on beautiful beaches, hike through lush rainforests, and explore the Hawaii Volcanoes National Park on the Big Island.
  • Great Smoky Mountains National Park, North Carolina/Tennessee: The Great Smoky Mountains National Park is the most visited national park in the U.S. and is known for its beautiful mountains, diverse plant and animal life, and rich Appalachian culture.
  • New Orleans, Louisiana: This historic city on the Mississippi River is famous for its unique blend of cultures, live music, and vibrant festivals. The French Quarter is a lively neighborhood with historic architecture, delicious Creole cuisine, and jazz clubs.

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