Disability Insurance for Diabetics

Disability Insurance

If you have attempted to purchase disability insurance and you have diabetes, it is likely that you have been declined for coverage. Yet, we know that this type of insurance is more important to you than the general public.

We offer guaranteed issue disability insurance for diabetics and anyone with a medical problem.

I do not want to go through the statistics on how many people lose their home due to a disabling injury or sickness. Or how likely it is that you will be faced with a situation where you wished you had disability insurance.

If you are a diabetic and you can afford disability insurance and do not buy it, you are either rich or a fool.

Who Is Eligible

Disability insurance is supposed to keep income flowing when you are unable to work. So, it stands to reason that you must be employed in order to obtain disability insurance.

You can be self employed, own your own business or work for a company. You can be on a payroll or a 1099 contractor. But, keep in mind that the total amount of disability income you can receive is dependent upon your verifiable income. That means income you have reported to Uncle Sam.

It is not necessary to prove this income when you apply. But, if you file a claim, they will ask for some proof of income.

Two Types of Disability Insurance

We have short term coverage that would go into effect within days after an injury or illness and pay you for up to six months at a time.

There is also long or longer term disability that pays benefits for years or up to age 65. These plans are more expensive but offer a lot more protection.

The Coverage and Cost

The short term plan has two options.

Age Band	$1,500 Monthly Benefit	$3,000 a Monthly Benefit
17 - 49	$65 a month	$116 a month
50 - 69	$82 a month	$152 a month

The monthly benefit cannot be more than 2/3 of your monthly income. For example, you must earn at least $4,500 a month to get a $3,000 monthly benefit. Obviously, you can earn more.

This is short-term disability and the benefit will be paid for a period of 6 months.

The nice feature of these plans is that there is only a 7 day waiting period for sickness and a 1 day waiting period for an accident.

But remember, you will have to show documentation to prove your income (usually tax forms).

You can apply for short term disability using one of two methods.

1. You can click here to open up and download a simple form.

2. You can apply directly online. Click on this link. When you get to the next page, scroll down until you see the AWA Disability Plan. There are two plans; one is for $1,500 a month and the other $3,000. You can enroll directly online.

Long Term Disability

The long term disability plan requires a custom quote. You need to use the contact us button at the top of the page and send us a simple email message. We will need to know:

1. your name and full address and telephone number
2. occupation
3. date of birth
4. gender
5. annual reported earned income (do not include interest income or dividends, etc.)

We will call you with a custom quote. We are one of the few companies that will offer long term disability to diabetics outside of a group plan.

Call Us at 800-272-0512
9 AM to 8 PM EST