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	<title>New answer on: What Are Disability Insurance Programs?</title>

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		<title>By: Jim Winkler</title>

		<link>https://insurancelibrary.com/disability-insurance/what-are-disability-insurance-programs</link>

		<dc:creator>Jim Winkler</dc:creator>

		<pubDate>Thu, 21 Aug 2014 23:47:27 +0000</pubDate>

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		<description><![CDATA[That is an excellent question! You have auto insurance to protect your car; life insurance to protect your family; health insurance to protect your health. Disability insurance is a way to protect your income, or paycheck. If you get sick or injured, and miss time at work, the loss of that time can be devastating, especially if you are one of the 77% of Americans who live paycheck to paycheck, and say that even missing one check would be financially disastrous. These policies are designed to pay out if a designated amount if you are out of work for a designated amount of time. They pay for an agreed upon amount of time. It can be a great way to replace some or all of the income that you lost from not working. Find a local agent, and have them walk you through some plans, so you get an idea of how they work, and what they&#039;d cost you, ok? Thanks for asking!]]></description>

		

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		<title>By: David Pipes</title>

		<link>https://insurancelibrary.com/disability-insurance/what-are-disability-insurance-programs</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Thu, 21 Aug 2014 21:08:01 +0000</pubDate>

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		<description><![CDATA[A disability income policy generally pays a specific amount every month while you are disabled.  The payments do not start until an agreed upon waiting period has been satisfied.  The payments are also set before hand and represent a part of the income lost.  The most critical issue is the definition of disability as this varies widely from one insurance company to the next.  Get an agent to investigate your alternatives. ]]></description>

		

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		<title>By: Steve Savant</title>

		<link>https://insurancelibrary.com/disability-insurance/what-are-disability-insurance-programs</link>

		<dc:creator>Steve Savant</dc:creator>

		<pubDate>Sat, 07 Sep 2013 13:22:03 +0000</pubDate>

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		<description><![CDATA[Disability insurance programs can be employer sponsored group, executive benefit and individual plans. The plans can be short or long term disability plans. The benefits are generally tax free, but under approved business applications, can be taxable if the company can expense the disability insurance premiums. Disability insurance is one of the most important defensive planning components and the most neglected protection.]]></description>

		

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