”STD" insurance replaces a percentage of your income for a short period of time in the event you experience a disability - sickness or injury. The benefit period usually lasts 3 to 6 months, or as long as 24 months with up to 70% of gross income coverage, depending on the state.
"LTD" insurance replaces a percentage of your income for a long period of time, after a waiting period, in the event you experience a disability, such as a sickness or injury. Waiting periods can last from 90 days to 360 days depending design. The benefit period usually lasts years, up to age 65 or 67 with up to 70% of gross income coverage, depending on the state.
"LTC" insurance is developed to specifically cover costs of nursing homes, assisted living, home health care and other services to assist members with daily living activities, that are not covered by traditional Healthcare or Medicare. LTC costs are based on your age when you buy it, max amounts per day, max days of policy, and options like benefits that increase with inflation.
Finding the Right Disability & Long-Term Care Coverage Has Never Been Eaiser
A Little About Me...
Having disability and LTC insurance protection is important for those that need income security for their family or themselves so they can still put food on the table or pay a nursing home, respectively, if and when the situation calls for it. As an advisor with AVZ Benefit Solutions, I offer residents in the states across the nation a choice when it comes to their disability or LTC insurance. I am a licensed and trained insurance broker with experience working with individuals, families and small businesses. I will work personally with you to identify your unique insurance needs and budget, and then offer you a variety of options that address those needs. If you are looking for disability, LTC, health, life, annuities, small group, Medicare or supplemental (voluntary) insurance, please contact me today for a free consultation and no-obligation quote.
Our Offices Handle...
Individual and Family Health Insurance, Medicare, Medicare Advantage Plans, Medicare Supplement, Medicare Prescription Drug Plans, Small Business Health Insurance, Life Insurance, Annuities, Dental Insurance, Vision Insurance, Critical Illness Insurance, Disability Insurance, Accident Insurance, Long-Term Care Insurance, International Health Insurance, Wellness Products.
Choosing A Plan...
Choosing insurance plans can be difficult. That's why we make it easy. We will make the calls, do the research, compare plans and prices, and find you the insurance plan that fits your needs. Best of all, our help is at no cost to you.
No Cost Assistance
We work with nationally recognized insurance companies to give you the quality, affordable insurance you're looking for. We promise never to spam you or sell your information. Best of all, our assistance is at no cost to you.