[et_pb_section fb_built=”1″ make_equal=”on” specialty=”on” padding_top_2=”20px” padding_right_1=”50px” padding_top_bottom_link_1=”false” padding_top_bottom_link_2=”false” padding_left_right_link_1=”false” padding_left_right_link_2=”false” custom_css_main_1=”border-right:1px solid #eeeeee;” _builder_version=”4.16″ inner_width=”90%” inner_max_width=”none” inner_module_alignment=”right” custom_padding=”60px||||false|false” top_divider_color=”#3390ff” top_divider_flip=”vertical|horizontal” top_divider_arrangement=”above_content” global_colors_info=”{}”][et_pb_column type=”3_4″ specialty_columns=”3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner _builder_version=”4.16″ custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_button button_url=”\/disability-insurance-101″ button_text=”Disability Insurance 101″ module_class=”button_icon_right” _builder_version=”4.16″ custom_button=”on” button_border_width=”0px” button_letter_spacing=”0px” custom_padding=”0em|0em|0em|0em|false|false” global_colors_info=”{}”][\/et_pb_button][et_pb_text _builder_version=”4.16″ _dynamic_attributes=”content” header_font_size=”38px” custom_margin=”||||false|false” custom_padding=”||||false|false” locked=”off” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[\/et_pb_text][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n
Here are the main ways to get disability insurance or disability benefits:<\/span><\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n Employer-sponsored disability insurance is a common benefit offered by businesses, especially larger ones. It is typically provided on a group basis.<\/p>\n The pros of employer-sponsored disability insurance include:<\/p>\n There are, however, some cons to employer-based disability insurance. They include:<\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]Many professional organizations for people in a specific industry offer the option to buy disability insurance through a group plan. One pro is that this coverage typically has less underwriting than disability insurance bought on your own. This means that it\u2019s easier to qualify for coverage. It\u2019s also usually less expensive than buying disability insurance on your own. <\/p>\n A con is that the professional organization may choose to stop offering the coverage at any time, which would terminate your disability insurance. You would also lose coverage if you change professions or leave the professional organization.[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n There are three main ways to receive disability benefits from the government:<\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\nThrough Your Employer<\/h2>\n
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Through a Professional Organization<\/h2>\n
Through the Government<\/h2>\n
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On Your Own<\/h2>\n