Help protect your lifestyle even if you can’t work<\/h2>\nIndividual Disability Insurance helps fill the gap<\/h3>\n\nIf you earn a higher salary, or rely on bonuses or commissions, you may need additional income protection to provide for you and your loved ones while on leave from work due to a covered illness or injury. Long Term Disability (LTD) is an excellent foundation for income protection; but benefit maximums, uncovered compensation, and taxable benefits may leave higher income earners with a gap in coverage.<\/p>\n
How an IDI policy helps you protect your income:<\/p>\n
<\/p>\n
\n- Can replace a higher percentage of your income<\/li>\n
- Can cover commissions and bonuses<\/li>\n
- Individually owned, so you can keep the policy if you change jobs<\/li>\n
- Benefits are not offset by Workers’ Compensation and Social Security Disability Insurance payments<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n
\n\n\n<\/h2>\nHow Individual Disability Insurance can help cover expenses<\/h2>\n\nThe example below shows how Individual Disability Insurance can help close the gap left by other Disability Insurance. As a higher earner, you may have earnings that aren’t covered by regular Disability Insurance, requiring you to dip into savings or rely on loved ones. Individual Disability Insurance can provide an additional monthly benefit to help you cover your bills and day-to-day expenses without causing long-term damage to your financial health.<\/p>\n
<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.4″ _module_preset=”default”][et_pb_column _builder_version=”4.9.4″ _module_preset=”default” type=”4_4″][et_pb_image src=”http:\/\/vestainsuranceinc.com\/public_new\/wp-content\/uploads\/2021\/06\/Comparison-disability.jpg” _builder_version=”4.9.4″ _module_preset=”default” title_text=”Comparison disability” hover_enabled=”0″ sticky_enabled=”0″ custom_padding=”|331px||||”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.4″ _module_preset=”default”][et_pb_column _builder_version=”4.9.4″ _module_preset=”default” type=”4_4″][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n
*Group Long Term Disability (LTD) plans typically do not cover incentive compensation (i.e., bonus or commissions). Talk with your benefits counselor to confirm LTD covered earnings in your plan provisions.<\/em><\/small><\/p>\n** Many Group Long Term Disability (LTD) plans are paid for by the employer and may be subject to tax, thereby decreasing the monthly benefit.<\/em><\/small><\/p>\nYour LTD and IDI benefit maximums may be higher or lower than the illustrated amount. Check with your benefits\u00a0counselor to confirm the benefit maximums in your plan provisions.<\/em><\/small><\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Footer” _builder_version=”3.27″ locked=”off”][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”3.26.4″ saved_tabs=”all” locked=”off”][et_pb_column type=”1_4″ _builder_version=”3.26.4″][et_pb_text _builder_version=”4.9.4″ text_line_height=”2em” link_font=”||||on||||” link_text_color=”#3f3fff” header_font=”||||||||” header_4_font=”Merriweather||||||||” header_4_font_size=”16px” header_4_line_height=”1.4em” max_width=”800px” header_4_font_size_tablet=”16px” header_4_font_size_phone=”14px” header_4_font_size_last_edited=”on|desktop” locked=”off”]<\/p>\n
Our Office<\/h4>\n
622 Mary Street
Suite 300
Warminster, PA 18974<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”3.26.4″][et_pb_text _builder_version=”4.9.4″ text_line_height=”2em” link_font=”||||on||||” link_text_color=”#3f3fff” header_font=”||||||||” header_4_font=”Merriweather||||||||” header_4_font_size=”16px” header_4_line_height=”1.4em” max_width=”800px” header_4_font_size_tablet=”16px” header_4_font_size_phone=”14px” header_4_font_size_last_edited=”on|desktop” locked=”off”]<\/p>\n
Contact Us<\/h4>\n
267-961-1500
Fax 267-961-1505<\/p>\n
If you earn a higher salary, or rely on bonuses or commissions, you may need additional income protection to provide for you and your loved ones while on leave from work due to a covered illness or injury. Long Term Disability (LTD) is an excellent foundation for income protection; but benefit maximums, uncovered compensation, and taxable benefits may leave higher income earners with a gap in coverage.<\/p>\n
How an IDI policy helps you protect your income:<\/p>\n
<\/p>\n
- \n
- Can replace a higher percentage of your income<\/li>\n
- Can cover commissions and bonuses<\/li>\n
- Individually owned, so you can keep the policy if you change jobs<\/li>\n
- Benefits are not offset by Workers’ Compensation and Social Security Disability Insurance payments<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n
\n \n\n<\/h2>\n
How Individual Disability Insurance can help cover expenses<\/h2>\n
\nThe example below shows how Individual Disability Insurance can help close the gap left by other Disability Insurance. As a higher earner, you may have earnings that aren’t covered by regular Disability Insurance, requiring you to dip into savings or rely on loved ones. Individual Disability Insurance can provide an additional monthly benefit to help you cover your bills and day-to-day expenses without causing long-term damage to your financial health.<\/p>\n
<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.4″ _module_preset=”default”][et_pb_column _builder_version=”4.9.4″ _module_preset=”default” type=”4_4″][et_pb_image src=”http:\/\/vestainsuranceinc.com\/public_new\/wp-content\/uploads\/2021\/06\/Comparison-disability.jpg” _builder_version=”4.9.4″ _module_preset=”default” title_text=”Comparison disability” hover_enabled=”0″ sticky_enabled=”0″ custom_padding=”|331px||||”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.4″ _module_preset=”default”][et_pb_column _builder_version=”4.9.4″ _module_preset=”default” type=”4_4″][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n
*Group Long Term Disability (LTD) plans typically do not cover incentive compensation (i.e., bonus or commissions). Talk with your benefits counselor to confirm LTD covered earnings in your plan provisions.<\/em><\/small><\/p>\n
** Many Group Long Term Disability (LTD) plans are paid for by the employer and may be subject to tax, thereby decreasing the monthly benefit.<\/em><\/small><\/p>\n
Your LTD and IDI benefit maximums may be higher or lower than the illustrated amount. Check with your benefits\u00a0counselor to confirm the benefit maximums in your plan provisions.<\/em><\/small><\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Footer” _builder_version=”3.27″ locked=”off”][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”3.26.4″ saved_tabs=”all” locked=”off”][et_pb_column type=”1_4″ _builder_version=”3.26.4″][et_pb_text _builder_version=”4.9.4″ text_line_height=”2em” link_font=”||||on||||” link_text_color=”#3f3fff” header_font=”||||||||” header_4_font=”Merriweather||||||||” header_4_font_size=”16px” header_4_line_height=”1.4em” max_width=”800px” header_4_font_size_tablet=”16px” header_4_font_size_phone=”14px” header_4_font_size_last_edited=”on|desktop” locked=”off”]<\/p>\n
Our Office<\/h4>\n
622 Mary Street
Suite 300
Warminster, PA 18974<\/p>\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”3.26.4″][et_pb_text _builder_version=”4.9.4″ text_line_height=”2em” link_font=”||||on||||” link_text_color=”#3f3fff” header_font=”||||||||” header_4_font=”Merriweather||||||||” header_4_font_size=”16px” header_4_line_height=”1.4em” max_width=”800px” header_4_font_size_tablet=”16px” header_4_font_size_phone=”14px” header_4_font_size_last_edited=”on|desktop” locked=”off”]<\/p>\n
Contact Us<\/h4>\n
267-961-1500
Fax 267-961-1505<\/p>\n