|
Washington Disability & Cancer Insurance Information
|
|
The most valuable resource that anyone possesses is their ability to provide
an income. If everything else that you own or care about is insured and this ability is removed there may be no way possible to pay the premiums on other insurance or even to keep that which is insured. Washington Disability Insurance will provide you with an income should you become sick or disabled. |
|
Even with benefits such as Washington Workers
Compensation and Social Security, individual disability insurance benefits are still important. A disability financially can be worse than death, since living expenses continue and may increase due to a need for expensive specialized care. Many people also purchase disability insurance to help ensure a continuous income should they suffer disabilities that are not covered by Social Security. |
|
Individual disability insurance coverages pay a
percentage of your salary if you become temporarily disabled, meaning that you are not able to work due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance). |
|
Washington Disability Insurance
Coverage Features
|
|
Washington disability insurance policies have a fixed
monthly benefit that does not increase with time, although you can purchase extra coverage, or riders, that offer higher payment schedules. |
|
Disability types include:
Own Occupation - the inability to perform the duties of
your specific occupation or Any Occupation - the inability to perform the duties of any job for which your education and training make you qualified. |
|
You can choose the length of the waiting period on your
Washington disability insurance policy. Waiting periods can range from one week to two years and the longer you wait the less your disability insurance policy will cost.
You also can choose the length of the benefit period,
which is how long you will receive monthly benefits once your disability insurance policy starts paying. |
|
Review the types of disability and supplemental insurance
we offer residents of Washington by clicking on a link below. |
|
Washington short term disability insurance is sometimes referred to as Accident and
Sickness insurance. It provides benefits for a limited period of time, typically 26 weeks or less. Short term disability usually provides coverage for accidents or illnesses outside of work when Washington Workers Compensation insurance does not apply. |
|
You would begin receiving money from your Washington short term disability insurance
policy within 1 to14 days after becoming sick or disabled. The actual time for coverage to begin depends on whether you suffer an illness or injury. If you suffer an injury, your benefits will be paid immediately. If you suffer an illness, it will take longer because there needs to be sufficient time to show that the illness is grave enough to be disabling. |
|
You choose the amount of income (up to 66% of your gross income) from $400 to $2000
a month when you can't work due to an accident or illness. |
|
Click on the link below to fill out a secure quote request form for a Washington Short
Term Disability Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Spokane, Washington Disability Insurance agent specialist at (509) 324-6311 to discuss the features in more detail. |
|
Supplemental cancer insurance can help manage advanced treatment costs by
picking up where traditional health insurance stops. If cancer strikes your family, a cancer insurance policy can provide the added supplemental protection you need. |
|
Policy Highlights:
* Hospital-related benefits: hospital confinement, ambulance services, physician
visits, nursing services
* Surgery-related benefits: internal cancer surgery, skin cancer surgery,
anesthesia
* Out-of-hospital benefits: home nursing services, skilled nursing facilities, hospice
care
* Treatment-related benefits: radiation, chemotherapy, blood / plasma transfusion
* Other benefits that cover disease screening tests, prosthetic devices, disability
income and more. |
|
Click on the link below to fill out a secure quote request form for a Washington
Cancer Insurance coverage policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Washington Cancer Insurance agent at (509) 324-6311 to discuss the policy features in more detail. |
|
We are a Spokane, WA insurance agency offering affordable Washington disability
insurance policy coverage in the following towns, cities and counties in Washington state: Opportunity, Millwood, Dishman, Seven Mile, Veradale, Spokane Valley, Trentwood, Pasadena Park, Glenrose, Country Homes, Greenacres, Newman Lake, Otis Orchards, Airway Heights, Mead, Colbert, Buckeye, Chattaroy, Milan, Deer Park, Elk, Clayton, Tumtum, Long Lake, Ford, Deep Creek, Reardan, Four Lakes, Medical Lake, Espanola, Marshall, Tyler, Cheney, Vallyford, Spangle, Plaza, Mica, Freeman, Manito, Fairfield, Waverly, Rockford, Whitman County, Pend Oreille County, Lincoln County, Stevens County, and Spokane County, WA. We can also offer lower cost Washington disability insurance coverage services throughout the state of Washington. |
|
Benefit periods of up to 2 years!
|
|
Short waiting periods 1 to 14 days!
|
|
Washington long term disability insurance provides benefits for a limited period of
time, typically 2 or 5 years and is also usually guaranteed renewable until the age of 65. Long term disability insurance usually provides coverage for accidents or illnesses outside of work when Washington Workers Compensation insurance does not apply. |
|
You can begin receiving money from your Washington long term disability
insurance policy when the "waiting period" time chosen for the policy is reached. Typically, 6 months to a year is chosen for a waiting period in order to reduce your premium, but shorter times are available. |
|
You choose the amount of income (up to 66% of your gross income) from $400
to $3000 a month when you can't work due to an accident or illness. |
|
Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
|
|
Click on the link below to fill out a secure quote request form for a Washington
Long Term Disability Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Washington Disability Insurance agent specialist at (509) 324-6311 to discuss the policy features in more detail. |
|
Benefit periods of 2 & 5 years!
|
|
Short waiting periods 7, 14, 30, and 90 days!
|
|
Guaranteed renewable to age 65
|
|
24 hour coverage - on or off the job!
|
|
$2,500 Accidental Death Benefit included!
|
|
No restrictions on how the money is used!
|
|
No benefit reduction at age 65!
|
|
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
|
Disability Insurance
|
|
Washington
Personal Insurance
|
|
The Fletcher Agency
421 W. Hastings Road
Spokane, Washington 99218
Spokane County, WA
Office: (509) 324-6311
Fax: (509) 324-6340
|
|
Answer a few questions and
we can provide you with an
insurance quote by phone or email. Choose a Washington personal or business insurance coverage from the menu above. |
|
The Fletcher Agency
|
|
Insurance Coverages - Insurance Solutions
|
|
Washington Disability Insurance Information
|
|
Website Builder & Supervised by InsuranceWebsiteServices.com
|
|
The Fletcher Agency
Copyright 2009-2010 All rights reserved
|
