Posted by Julie/MI on 7/11/06 7:10pm
Msg #132479

Short term disability for the self-employed

Anyone know any good, reasonably priced providers for short-term disability?

Reply by Glenn Strickler on 7/11/06 7:17pm
Msg #132481

Anyone who sells life insurance company should be able to fix you up. Stay with well known companies. You will need to shop around. My sister in law sells insurance for Allstate and she has several policies available through their life insurance arm (This is not an endorsement of Allstate) Or that duck (Afflac?)

Reply by Joe Ewing on 7/11/06 7:39pm
Msg #132489

QUACK QUACK AFLAC!

Reply by CaliNotary on 7/11/06 9:55pm
Msg #132540

I'm pretty sure AFLAC doesn't sell individual disability policies, it's only done through groups.

Reply by TitleGalCA on 7/11/06 10:10pm
Msg #132553

Listen to Cali

I am personally convince he's got that Aflac thing down to a gnat's as$.

Outside of that, I have cancelled Aflac. Way too much money, for very little (and way too contingent) return.

Reply by CaliNotary on 7/11/06 10:20pm
Msg #132556

Re: Listen to Cali

I like posts with this subject line. There should be more of them on here.

But yeah, I worked for AFLAC for about 3 years so I'm very familiar with their stuff. Of course there could have been some changes in the past 4 years, but I'd guess that the basic product line offerings for groups vs. individuals are pretty much as they were when I was there.

Their focus is on selling through employers, not to individuals. They have a couple of plans that can be bought individually, but the majority of what they sell can only be sold through groups.

Reply by TitleGalCA on 7/11/06 10:59pm
Msg #132570

check out www.nase.org

national association for the self employed. They get the insurance discounts.

Reply by John_NorCal on 7/11/06 11:42pm
Msg #132587

Another place to check with would be your employment developement department. They might have a disability program available to self employed people. I had one with them a few years ago. It's not a big plan, but it pays something better than a poke in the eye with a sharp stick. And the premium might be tax deductible as a business expense.

Reply by Joe Ewing on 7/12/06 1:42am
Msg #132620

I have sold short and long term disability insurance. I still own a plan I sold to myself through Franklin Life. My policy has a 3 month waiting period, $1500 cash per month for 5 years and has a return of premium feature. You might check into what they are currently offering. Remember you purchase the policies with good health and the benefits are based on a percentage of your income. Guardian Life, Met Life, Prudential they all sell it just ask one of their agents.

Reply by Marlene/USNA on 7/12/06 9:19am
Msg #132656

Re: I almost can't bring myself to say this. . .

. . .but if you're an NNA member, they offer a disability policy to members.