Disability Insurance

Florida Disability Insurance

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Disability Insurance Quotes in Florida

Statistically, 70% of all Social Security Disability Income claims in Florida are denied at application, or representation of a claim.

The loss of income due to a disabling injury or illness can be devastating setback to someone already suffering. People most often learn the hard way that most (approximately 70%) of Social Security Disability claims are denied. And then its too late. Since they have no first hand experience of how difficult it is to qualify for Social Security disability benefits. One-third of American workers are likely to be disabled for an extended period.

It takes 5 months before benefits start and you must be disabled, or projected to be disabled by your doctor according to SSDI guidelines, for a minimum of 12 months. And not only must you be unable to perform your job to qualify for Social Security, but you must also be unable to perform any job you have held previously where you could earn a gainful income. The government makes the process very difficult. Waiting lines are long. Forms are complicated. Benefits are often denied to people who have legitimate claims. And not just once; frequently twice.

Relying on your Group Disability Insurance Plan to take care of your income in case you become disabled? Most employer or association based disability plans only pay if you are totally disabled and unable to work at any job. What if you were partially disabled and forced to work part time with reduced wages and no other reimbursement for your disability?

Own Occupation Definition of Disability for Income Protection: There are two very different definitions of disability used in disability policies.

The first definition defines a disability as a condition that prevents you from performing the major duties of your occupation. One top-rated disability insurance company summarizes their definition of disability as: “Pays benefits if you are unable to perform the material and substantial duties of your own occupation due to sickness or injury…even if you are able to do some other kind of work.”.

The other, and less favorable, definition of disability states that you are disabled if you can’t work at any gainful occupation. This kind of policy may also have a residual benefit that says if your income goes down the insurance company will pay a partial benefit. One of the most important features for a professional or executive is the own-occupation definition.

A policy with the right definition of residual (partial) benefits and return to work benefits:

What does that mean?

The following example may help: A physician is disabled, then recovers and returns to work after three years of disability. There is not much of a practice left and there is no cash flow but there are some patients starting to come back. There are personal and business expenses to fund. Over the next six months the business picks up but there is still low cash flow. After one year the cash flow returns to 60. During all this time the physician is working full time. Let’s see how this claim could be handled by two different insurance companies.

Company A says that if you’re back at work full time after three months no matter your income that since you are at work full time you will no longer receive benefits. (Time and duties method).

Company B says: you’re not back to full cash flow and pays the proportionate amount of your loss. Both of these companies might have “own occupation” definitions for total disability but one is much less favorable for you after recovery. (Income definition of recovery and residual benefit.)

There are important differences to consider. We recommend that you get an occupation definition of disability and an income definition of recovery and residual.

It may be hard to imagine becoming disabled . . . but it's easy to picture the consequences.

Disability Coverage Quote Request


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Occupation:	Please be specific about type of work, responsibilities and activities you engage in...
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Monthly Disability Income Needed:	$ This amount can not exceed 60% of your gross income.

Florida Health Insurance Specialists: Orlando Registered Agency
400 E. Colonial Dr. Suite #1302, Orlando, FL 32803-4517
Phone: (407) 425-9347/800-444-5797 | Fax (407) 423-7483 | Email: information
Florida Health Insurance License # A115384