Florida Disability Insurance

Florida Disability Income Insurance

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.
Florida Disability Income Insurance will provide you with an income
should you become sick or disabled.

Even with benefits such as Florida 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).

Disability Insurance Coverage Features - FL

Florida 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 Florida 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 individual disability insurance we offer residents of
Florida by clicking on a link below.

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 Florida Workers
Compensation insurance does not apply.

You would begin receiving money from your Florida 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
Florida Short Term Disability Insurance policy that will provide excellent
insurance coverage at an affordable cost. Or you can speak with our
Florida Disability Insurance agent specialist at (305) 267-0000 to
discuss the features.

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 Florida Workers
Compensation insurance does not apply.

You can begin receiving money from your Florida 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.

Click on the link below to fill out a secure quote request form for a Florida
Long Term Disability Insurance policy that will provide excellent insurance
coverage at an affordable cost. Or you can speak with our Florida
Disability Insurance agent specialist at (305) 267-0000 to discuss the
features.

We are your local Miami, Florida insurance agency, offering affordable
disability insurance services to individuals and families in the following cities
and counties: Coral Gables, Kendall, Richmond Heights, Pinecrest, Howard,
Coral Way Village, Westchester, Westwood Lakes, Brownsville, Sweetwater,
Key Biscayne, North Bay Village, Miami Beach, Miami Springs, Virginia
Gardens, Hialeah, El Portal, Miami Shores, Medley, Indian Creek, Surfside,
Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka,
Bunche Park, Hialeah Gardens, Palm Springs North, Carol City, Norland,
Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach,
Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami
Beach, Hallandale Beach, Ives Estates, Pembroke Park, Hollywood, Dania
Beach, Cooper City, Davie, West Miami, Weston, Plantation, Playland Isles,
Melrose Park, Lauderhill, Sunrise, Tamarac, Fort Lauderdale, Wilton Manors,
Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Pompano Beach,
Margate, Coral Springs, North Lauderdale, Lighthouse Point, Hillsboro Beach,
Coconut Creek, Deerfield Beach, Boca Raton, The Hamptons, Highland
Beach, Boca West, Delray Beach, Boca Pointe, Boynton Beach, Lantana,
Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm Springs,
Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach,
Glen Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Jupiter, Juno
Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores,
South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead, Florida
City, Leisure City, Miami-Dade County, Broward County, Palm Beach County,
FL. We also offer health insurance services in the remainder of Florida,
including Orlando, Jacksonville, Lakeland, and the Tampa Bay area.

Benefit periods of up to 2 years!

Short waiting periods 1 to 14 days!

Hospitalization Rider pays up to double your benefit per month

(for two months) if an injury or sickness puts you in the hospital!

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 Income

Insurance

Palomino Insurance Group

Florida Health, Life & Business Insurance

Proudly Serving Florida Since 1986!

Answer a few questions and we will
provide you with a quote by email or
phone. Choose the Florida personal
or business insurance coverage
you're interested in from the menu
above.

Palomino Insurance Group Corp.

7515 S.W. 32nd Street

Miami, Florida 33155

Miami-Dade County, FL

(305) 267-0000

Fax (305) 267-0004

Palomino Insurance Group Corp.