Long Term vs. Short Term Disability
- Author
- Valerie LaRoque
- Published
- Thu 21 Dec 2023
- Episode Link
- https://sites.libsyn.com/452085/long-term-vs-short-term-disability
If you have disability coverage at work you probably think you’re “all set” if something happens.
But the truth is, most coverage offered by employers hides terrible surprises. Surprises that mean you’ll get a lot less than you think, if you ever need to collect benefits.
Waiting until disability happens is too late to protect yourself. You need to take a closer look at that coverage NOW.
So in today’s helpful episode I’ll tell you exactly what to look for in that work-provided policy so you don’t get blindsided.
Don’t have coverage from work? I’ll also explain the key points of both short term and long term disability so you’ll know how to find coverage that works for you.
Listen now!
Show highlights include:
- Key questions to ask about your existing insurance so you don’t get burned when you need the benefits. (1:20)
- The “Uncle Sam” surprise waiting for you if your employer buys your coverage. Know this so you don’t get a smaller disability check. (4:17)
- “Exclusion Inclusion.” Why you should still consider that policy even if it has some exclusions. (9:15)
- High-earner blindspot that keeps you financially vulnerable to disability, even though you think you’re covered. (10:45)
Reach out to me:
