What if you or an employee can't work, because of a disability?
We can help you obtain a Disability Insurance Policy which can provide you with up to 1/2 of your regular paycheck or business earnings. This is very important as 1/2 of all bankruptcies involve medical issues
This should come close to being equal to your current income, as you don't have the expenses of going to work and lower taxes. The benefits are usually Income Tax free and of course, the Insurance Company wants to encourage you to go back to work, so they don't want you to make too much by not working
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California State Disability Coverage for Business Owners or call 916-654-6288 Q & A
Calif. State Disability Coverage (SDI) is a partial wage-replacement insurance plan for California workers.
The SDI program is State-mandated, and funded through employee payroll deductions. SDI provides affordable,
short-term benefits to eligible workers who suffer a loss of wages when they are unable to work due to
a NON WORK-RELATED illness or injury, or a medically disabling condition from pregnancy or childbirth.
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THE NEW DEAL; The Safety Net She Believed In Was Pulled Away When She Fell; Debra Potter made a good living selling disability coverage. But like many working Americans, she learned the hard way that federal law now favors insurers.; [HOME EDITION]
Peter G. Gosselin. Los Angeles Times. Los Angeles, Calif.: Aug 21, 2005. pg. A.1  Buy Full Text
THE NEW DEAL; Approaching the Economic Edge; The weakening of the disability insurance system
is part of a broad shift of financial risk from government and business to individual workers.; [HOME EDITION]
Peter G. Gosselin.
Los Angeles Times. Los Angeles, Calif.: Aug 21, 2005. pg. A.30 Buy Full Text
106. (a) Disability insurance includes insurance
appertaining to injury, disablement
or death resulting to the insured from accidents, and appertaining to
disablements resulting to the insured from sickness
(b) In statutes that become effective on or after January 1, 2002, the term
"health insurance" for purposes of this code shall mean an
individual or group disability insurance policy that provides coverage for hospital, medical,
or surgical benefits.
The term "health insurance" shall not include any of the following kinds of insurance:
(1) Accidental death and accidental death and dismemberment.
(2) Disability insurance, including hospital indemnity, accident only,
and specified disease insurance
that pays benefits on a fixed benefit, cash payment only basis.
(3) Credit disability, as defined in subdivision (2) of Section 779.2.
(4) Coverage issued as a supplement to liability insurance.
(5) Disability income, as defined in subdivision (i) of Section 799.01.
(6) Insurance under which benefits are payable with or without regard to fault and
that is statutorily required to be contained in
any liability insurance policy or equivalent self-insurance.
(7) Insurance arising out of a workers' compensation or similar
law.
(8) Long-term care.
                   
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