Disability Insurance

Disability happens more than you would imagine.

Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.

Over 37 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from 18-64.

8.8 million disabled wage earners, over 5% of U.S. workers, were receiving Social Security Disability (SSDI) benefits at the end of 2012.

In December of 2012, there were over 2.5 million disabled workers in their 20s, 30s, and 40s receiving SSDI benefits.

Chances of Becoming Disabled:

The following statistics come from Council for Disability Awareness’ (CDA), Personal Disability Quotient (PDQ), Personal Disability Risk Calculator.

A typical female, age 35, 5’4″, 125 pounds, non-smoker, who works mostly an office job, with some outdoor physical responsibilities, and who leads a healthy lifestyle has the following risks: *A 24% chance of becoming disabled for 3 months or longer during her working career

A typical male, age 35, 5’10″, 170 pounds, non-smoker, who works an office job, with some outdoor physical responsibilities, and who leads a healthy lifestyle has the following risks: *A 21% chance of becoming disabled for 3 months or longer during his working career

Tab-Bottom

Monthly E-Newsletter and Benefit Advisor

We scour the web for straight-forward articles from reputable third-party sources (such as Kaiser, The Wall Street Journal & more) that address how the various topics of health care can have a direct impact on our clients. The newsletter includes several columns on current health news, health events and recognized health days. We send these directly to our clients.

We utilize both Facebook and Twitter to keep our clients and Associations up to date on the most important developments in the health care marketplace and to communicate topics of interest that can have a direct effect on health and health care coverage.

*The E-Newsletter can be copied & pasted for inclusion on Association websites and/or electronic correspondence to Association Members.

Employer Groups

The health insurance marketplace is very dynamic and constantly changing. The Benefits Store utilizes the latest options in program design to meet both your budget and your employee’s health needs. We partner with technical online platforms (including Quotit) for fast turnaround and enrollment in the bidding cycle.

Covered California

Benefits Store and California’s Health Exchange – Covered California (Covered CA)

Our firm has multiple Brokers that have successfully completed the Covered CA licensing requirements and are certified to assist consumers with the navigation and enrollment process into California’s Health Exchange. The process can be complicated for consumers doing this on their own, as well as choosing the best plan for themselves and their family. Since there is no discount/price savings for clients enrolling on their own, it is usually advisable to have assistance from a Benefit Store Broker in this process.

We have a dedicated section that is an educational and information resource for individuals needing clarification on Covered CA issues for the self-employed and small businesses. It addresses many of the questions we have been getting from Californians and even provides a subsidy calculator. Go to the Covered California page.