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California Disability Insurance Information
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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. California Disability insurance will provide you with an income should you become sick or disabled. |
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Even with benefits such as California 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. |
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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). |
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Disability Insurance Coverage Features - California
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California 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. |
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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. |
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You can choose the length of the waiting period on your California
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. |
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Review the types of individual disability insurance we offer
residents of California by clicking on a link below. |
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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 California Workers Compensation insurance does not apply. |
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You would begin receiving money from your California short term disability
insurance policy within 1 to 14 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. |
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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. |
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Click on the link below to fill out a secure quote request form for a California
Short Term Disability Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our California Disability Insurance agent specialist at 951-693-5017 to discuss the features. |
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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 California Workers Compensation insurance does not apply. |
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You can begin receiving money from your California 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. |
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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. |
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Click on the link below to fill out a secure quote request form for a California
Long Term Disability Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our California Disability Insurance agent specialist at 951-693-5017 to discuss the features. |
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We are a local Temecula, California insurance agency, offering affordable disability
insurance services in the following cities and counties: Murrieta, Lake Elsinore, Wildomar, Lakeland Village, Fallbrook, Canyon Lake, Sun City, Perris, Romoland, Homeland, Menifee, Quail Valley, Sedco Hills, Alberhill, Moreno Valley, Corona, Norco, Riverside, Woodcrest, Home Gardens, El Cerrito, Pedley, Mira Loma, Glen Avon, Rubidoux, Loma Linda, Lakeview, Rainbow, Pala, Sage, Hemet, Valle Vista, Aguanga, Oak Grove, Warner Springs, Santa Ysabel, Escondido, Pauma Valley, Ramona, Valley Center, Bonsall, Vista, Oceanside, San Marcos, Carlsbad, Encinitas, San Diego, San Clemente, San Juan Capistrano, Laguna Niguel, Dana Point, Laguna Beach, Mission Viejo, Lake Forest, Aliso Viejo, Laguna Hills, Emerald Bay, Irvine, Coto de Caza, Rancho Santa Margarita, Laguna Woods, Trabuco Canyon, Three Arch Bay, Crystal Cove, Newport Beach, Corona Del Mar, Tustin, Santa Anna, Costa Mesa, Orange, Huntington Beach, Westminster, Anaheim, Garden Grove, Red Hill, East Tustin, Lemon Heights, Villa Park, Olive, Cowan Heights, San Bernardino, Ontario, Fontana, Colton, Rancho Cucamonga, Fullerton, Oakland, Riverside County, Orange County, San Diego County, San Bernardino County, Imperial County, and Los Angeles County, CA. We also offer disability insurance services throughout the state of California, including the Los Angeles, Sacramento, and San Francisco Bay areas. |
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**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. |
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Benefit periods of up to 2 years!
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Short waiting periods 1 to 14 days!
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Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
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Benefit periods of 2 & 5 years!
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Short waiting periods 7, 14, 30, and 90 days!
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Guaranteed renewable to age 65
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24 hour coverage - on or off the job!
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$2,500 Accidental Death Benefit included!
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No restrictions on how the money is used!
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No benefit reduction at age 65!
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Personal Insurance
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Disability Insurance
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Grant Wonacott
Orr & Associates
28270 Single Oak Drive, # 255
Temecula, CA 92590
Riverside County, California
(951) 693-5017
Fax: (951) 693-5027
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Answer a few questions and
we will provide you with a quote by email or phone. Choose the California insurance coverage you're interested in from the menu above. |
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