Long Term Disability

How much is long-term disability and do I have to have short-term disability first?  

Answer: In general, you would normally have short-term disability before purchasing long-term disability. Some companies may require you to have short-term disability before they would sell you any other coverage to ensure that you do not make a long-term disability claim when it is not necessary.

As for costs, this will vary according to the amount of salary that you want to insure, how much you make and the level of risk you pose to the insurance company. Your health history will be critical. In general, the younger you are when you purchase such insurance, the better your chances of a lower premium for two reasons: better health and a lower salary.

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