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DISABILITY INSURANCE
Saint Petersburg, FL

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 Specialist
Serving Saint Petersburg, Fl

Do I Need 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
Saint Peterburg, Florida

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 FAQ
Saint Petersburg, Florida

In Saint Petersburg, Florida, 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.

In Saint Petersburg, Florida, 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.

In Citrus Saint Petersburg, Florida, 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.

In Saint Petersburg, Florida, 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).

In Saint Petersburg, Florida, 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.

In Saint Petersburg, Florida, if you have a spouse, children, or other family members you support, you would feel a financial burden if illness or injury kept you from earning income. Disability insurance can be an essential source of financial protection.

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

In Saint Petersburg, Florida, 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.

In Saint Petersburg, Florida, 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.

In Saint Petersburg, Florida, how an insurance company defines a disability is essential when buying a disability insurance policy. The three most common definitions of disability are any occupation, modified occupation, and own occupation.

WHAT MY CLIENTS SAY ABOUT ME
Saint Petersburg, Florida

INSURANCE OFFERINGS
Saint Petersburg, Florida

QUESTIONS? CONTACT ME

I’m here to take your calls and emails and respond to your questions Monday through Friday from 9:00 a.m. to 5:00 p.m., excluding posted holidays.

CALL/TEXT: M-F 9-5

OFFICE LOCATION

STEVE TURNER INSURANCE SPECIALIST

14502 N DALE MABRY HWY

SUITE 200

TAMPA, FL 33618

DISABILITY INSURANCE Saint Petersburg, FL

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 Specialist Serving Saint Petersburg, Fl

Do I Need Disability Insurance?

HOW I CAN HELP YOU Saint Peterburg, Florida

SHORT-TERM DISABILITY

LONG-TERM DISABILITY

FLORIDA DISABILITY BENEFITS

DISABILITY INSURANCE FAQ Saint Petersburg, Florida

How does a disability policy work in Saint Petersburg, Florida?

What is an example of when disability insurance is used in Saint Petersburg, Florida?

What is disability insurance, and is it worth it in Saint Petersburg, Florida?

What is the 5-year rule for social security disability in Saint Petersburg, Florida?

What three things affect the price of disability insurance in Saint Petersburg, Florida?

When should people consider disability insurance in Saint Petersburg, Florida?

What are the disadvantages of disability insurance in Saint Petersburg, Florida?

Which situation would most likely use disability insurance in Saint Petersburg, Florida?

What is the waiting period for a disability insurance policy in Saint Petersburg, Florida?

What are the three common definitions used in disability insurance policies in Saint Petersburg, Florida?

WHAT MY CLIENTS SAY ABOUT ME Saint Petersburg, Florida

INSURANCE OFFERINGS Saint Petersburg, Florida

HEALTH INSURANCE

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