Michigan Specialty Insurance Agency, Inc.
      DISABILITY INSURANCE (SHORT & LONG TERM)  
 

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    Short Term Disability Insurance  
    Short Term Disability Insurance may be provided as an individual policy or group policy. A comprehensive line of disability products are available to address the diverse income protection needs of clients. Flexible plan options enable coordination with Long Term Disability Insurance plans.    
   
  • Ten life minimum with special coverage for small groups of two to nine persons
  • Select benefit schedule, either flat rate or salary percentage
  • Flexible plan options which may coordinate with Long Term Disability Insurance
  • Benefit duration from 9 to 52 weeks available
  • Expanded maximums up to $2,500 a week for qualified groups
  • Alternative funding
  • First day hospitalized or accident coverage is available
  • Choice of elimination period, benefits packages, and maximums
  • Partial disability benefit
  • Twenty-four hour coverage option available for qualified groups
  • Competitive rates.
 
      Long Term Disability Insurance  
      Long Term Disability Insurance may be provided as an individual policy or a group policy. A comprehensive line of group disability products are available to address the diverse income protection needs of the participants. A flexible plan design, specialized cost-containment programs, and range of benefit percentages are used to satisfy the needs of a variety of organizations.  
   
  • Ten life minimum with special coverage for small groups of two to nine persons.
  • Up to $3,500 monthly maximum.
  • Benefit duration to age 70.
  • Two year rate guarantee.
  • Range of benefit options are 50%, 60%, 66 2/3%, and 70%.
  • Elimination periods may range from 30, 60, 90, or 180 days.
  • Liberal definitions of liability.
  • Cost of living adjustment.
  • Work incentive benefit.
  • Waiver of premium.
  • Conversion privilege.
  • Retirement income protection.
  • Revenue protection.
  • Premiums are determined by age, sex, and job classification.
 
   

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MAIN OFFICE 2157 University Park Dr. Okemos MI 48864 Ph: 517.347.7467    LANSING OFFICE 921 N. Washington Lansing MI 48906 Ph: 517.484.1476.
Site content is general information on services provided by Michigan Specialty Insurance Agency and does not constitute an agreement, contract, or full detailing of any individual service. MSIA is a subsidiary of Child & Family Services of Michigan  Updated 04-2008  Site by JGillette,FreeLance