短期伤残pp王者电子官网
如果你有薪水，这里有一个方法来保护你的收入. A short-term disability policy offers you income protection to help cover monthly expenses (such as mortgage, 租金, 公用事业公司, or car loan) if you're unable to work because of a total disability due to illness or injury.
政策选择是专门为短期残疾而设计的. 它们包括一年和三年的福利期, 每月的福利金额从300美元到3美元不等,000(视乎入息及职业类别而定).
你知道吗??
- Only 40 percent of American adults indicate they have enough savings to cover three months of living expenses in the event they're not earning any income.1
- 每年, about 5 percent of working Americans will experience a short term disability (six months or less) due to illness, 受伤或怀孕.2
短期伤残pp王者电子官网
你的pp王者电子官网范围
短期伤残pp王者电子官网 can provide funds for whatever you need to protect. Mortgage, 租金, or a car loan are just some of the monthly expenses that can be funded. The benefit period and monthly amount choices allow you to choose the right coverage for you.
简单的应用程序
The short application process allows you to get the coverage you need faster than ever.
你今天有资源吗?
用自己的积蓄
储蓄 accounts can serve as a temporary safety net, but most people haven't 保存d enough. 残疾政策可以提供一个长期的解决方案. 40 percent of households don't have enough savings to replace their income for three months.3
收集社会pp王者电子官网
Because the definition of disability is very strict (the disability must be expected to last 12 months or more, 或者导致死亡), it generally takes three to five months from time of application for Social 安全 残疾 Income (SSDI) benefits to receive an initial decision.4 2021年，SSDI的平均福利金额为每月1,441美元.5
考虑短期伤残pp王者电子官网
有关短期伤残pp王者电子官网的更多资料，请浏览 长期伤残pp王者电子官网安排一些时间 State Farm®代理 谈谈你的伤残pp王者电子官网需求.
做出明智的选择
披露的信息
1 残疾的统计数据
2 残疾的统计数据
3 残疾的统计数据
4 Social 安全 - What You Should Know Before You Apply for Social 安全 残疾 Benefits
5 社会保障管理局-每月统计快照，2021年10月
伤残pp王者电子官网产品在马塞诸塞州、新泽西州和RI州不可用.
The information provides a brief, general description of the coverage provided by these policies. 它不是合同，适用某些排除和限制. A complete statement of the coverage provided is found only in the policy itself. 保单的覆盖范围、排除范围和限制在某些州可能有所不同.
有关具体条款和条件，请参阅:
短期 残疾 policy series 97066 (policy form ICC17 97066IC1 in ID, pp王者电子官网单97066MT (2017) in MT.
This section describes situations and conditions in which payment will be limited or denied even if you otherwise qualify for benefits.
AK, AL, AR, AZ, CT, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV –
除外责任. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由医生诊断的, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. 您参与重罪、暴乱或暴动的实施;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, or loss that results from your use of narcotics or other controlled substances, 除非根据医生的建议服用;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, 感染, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. 企图自杀或故意自残; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
限制. 以下限制适用于本保单:
1. 既存状况限制. 我们不会为因既存疾病而造成的损失支付赔偿金, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. 并发残疾. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, 这是一种并发的残疾. Benefits for a concur租金 disability will be paid as if the concur租金 disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
CA –
除外责任. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由医生诊断的, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. 您参与重罪、暴乱或暴动的实施;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, or loss that results from your use of narcotics or other controlled substances, 除非根据医生的建议服用;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, 感染, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days; or
9. 企图自杀或故意自残.
限制. 以下限制适用于本保单:
1. 既存状况限制. 我们不会为因既存疾病而造成的损失支付赔偿金, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. 并发残疾. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, 这是一种并发的残疾. Benefits for a concur租金 disability will be paid as if the concur租金 disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
DE –
除外责任. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由医生诊断的, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. 你参与重罪、暴动或暴动. 参与是参与或分享某事的行为, 暴乱是指扰乱几个人的安宁, assembled and acting with a common intent in executing a lawful or unlawful enterprise in a violent and turbulent manner;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, or loss that results from your use of narcotics or other controlled substances, 除非根据医生的建议服用;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, 感染, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. 企图自杀或故意自残; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
限制. 以下限制适用于本保单:
1. 既存状况限制. 我们不会为因既存疾病而造成的损失支付赔偿金, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. 并发残疾. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, 这是一种并发的残疾. Benefits for a concur租金 disability will be paid as if the concur租金 disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
FL –
除外责任. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由医生诊断的, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为. 我们不会将恐怖主义行为解释为不宣而战的行为;
3. 现役军人在武装部队中服役, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. 您参与重罪、暴乱或暴动的实施;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, or loss that results from your use of narcotics or other controlled substances, 除非根据医生的建议服用;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, 感染, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. 监禁:在刑事或惩教机构的合法监禁时期
9. Attempted suicide, while sane or insane, or intentionally self-inflicted Injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
限制. 以下限制适用于本保单:
1. 既存状况限制. 我们不会为因既存疾病而造成的损失支付赔偿金, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. 并发残疾. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, 这是一种并发的残疾. Benefits for a concur租金 disability will be paid as if the concur租金 disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
MT –
除外责任. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. 宣战或未宣战的战争，或任何战争行为;
2. 现役军人在武装部队中服役, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
3. 您参与重罪、暴乱或暴动的实施;
4. 你从事非法职业;
5. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, 感染, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
6. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days; or
7. The suspension, surrender, or revocation of your occupational license or certificate.
限制. 以下限制适用于本保单:
1. 既存状况限制. 我们不会为因既存疾病而造成的损失支付赔偿金, unless such loss occurs or disability commences 12 months or more after the effective date of coverage.
2. 并发残疾. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, 这是一种并发的残疾. Benefits for a concur租金 disability will be paid as if the concur租金 disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
ND –
除外责任. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由医生诊断的, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. 您参与犯罪或暴动;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, or loss that results from your use of narcotics or other controlled substances, 除非根据医生的建议服用;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, 感染, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. 企图自杀或故意自残; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
限制. 以下限制适用于本保单:
1. 既存状况限制. 我们不会为因既存疾病而造成的损失支付赔偿金, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. 并发残疾. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, 这是一种并发的残疾. Benefits for a concur租金 disability will be paid as if the concur租金 disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
NY –
除外责任. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由医生诊断的, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 武装部队、辅助部队、国民警卫队现役军人;
4. 您参与重罪、暴乱或暴动的实施;
5. We shall not be liable for any loss to which a contributing cause was your commission of or attempt to commit a felony or to which a contributing cause was your being engaged in an illegal occupation;
6. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, 感染, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect; or
7. 企图自杀或故意自残.
限制. 以下限制适用于本保单:
1. 既存状况限制. 我们不会为因既存疾病而造成的损失支付赔偿金, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. 并发残疾. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, 这是一种并发的残疾. Benefits for a concur租金 disability will be paid as if the concur租金 disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
SD –
除外责任. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由医生诊断的, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. 犯罪:在犯罪过程中造成的伤害或疾病;
5. 你从事非法职业;
6. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, 感染, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
7. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
8. 企图自杀或故意自残; or
9. The suspension, surrender, or revocation of your occupational license or certificate.
限制. 以下限制适用于本保单:
1. 既存状况限制. 我们不会为因既存疾病而造成的损失支付赔偿金 during the first 12 months after the effective date of coverage.
2. 并发残疾. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, 这是一种并发的残疾. Benefits for a concur租金 disability will be paid as if the concur租金 disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
WY –
除外责任. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由医生诊断的, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. 您参与重罪、暴乱或暴动的实施;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, or loss that results from your use of narcotics or other controlled substances, 除非根据医生的建议服用;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, 感染, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. 企图自杀或故意自残; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
限制. 以下限制适用于本保单:
1. 既存状况限制. 我们不会为因既存疾病而造成的损失支付赔偿金, unless such loss occurs or disability commences 12 months or more after the effective date of coverage.
2. 并发残疾. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, 这是一种并发的残疾. Benefits for a concur租金 disability will be paid as if the concur租金 disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.