disability insurance for business

Disability insurance coverage details for New York, New Jersey, and Connecticut.

California, Hawaii, New Jersey, New York and Rhode Island have state sponsored disability programs. These programs are typically short-term and the benefit amounts are low. In New York, for example, the weekly benefit amount is 50% of the employee's average weekly wage, up to $170 for a maximum of 26 weeks.

Your employer may also provide additional disability coverage in these states as well as in the rest of the country. So, if you are unable to work, your first step should be to inquire as to what insurance your employer provides. If you have your own disability coverage, file a claim with that insurance company as well.Disability income insurance can replace a portion of your income if you get sick or injured and are unable to work.

Disability programs may:

• Provide monthly income to help maintain your way of life
• Provide coverage up to $5,000 per month – no physical exam
• Preserve your independence without relying on others
• Protect your dreams and goals

Like most disability income insurance policies, Top Rated Insurer's policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about costs and complete details. For policies issued in New York: These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that top Rated Insurer's expects to return as benefits when averaged over all people with the applicable policy.

If your restaurant, tavern, bar or lounge  is located in New york, New Jersey or Connecticut has had  a good track record and you like to save some money contact RSi-Insurance for free insurance quote now.

We invite you to take some time while you are visiting us online at RSI Insurance to explore our website. You will find a number of helpful and informative pages concerning the insurance coverage we have available.

Then give us a call at 914-332-1700; email us at ira@rsi-insurance.com: or complete the online application by clicking the quote button. The quote is free and carries no obligation of any type.

Before you sign your lease, we will, free of charge, review your insurance requirements and offer a no charge critique of those clauses!