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Disability insurance Arizona

Disability insurance Arizona

Your most valuable asset is the ability to make a living. Disability insurance pays a part of your income if you can’t work for a long period because of an illness or injury.

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Disability Insurance in Arizona: Protecting Your Income and Future

If you’re young and healthy and work at a desk, you may think the likelihood of being out of work for months or years of work due to an injury or illness is remote.

But according to the Social Security Administration, more than one in four 20-year-olds will have some type of disability for 90 days or more before they reach 67.

When people think of disabilities, they think of severe injuries like a spinal cord injury or loss of limbs due to a horrific accident. The truth is most disability claims are from back injuries, cancer, heart attacks, diabetes, or other illnesses. 

These are things that can affect anyone at any time and can prevent you from working while undergoing treatment.  How long could you make it without a paycheck? Chances are you wouldn’t make it very long, which is why you were working in the first place. This is where disability insurance steps in.

Why You Need Disability Insurance in Arizona

No one likes to think about the possibility of becoming disabled and being unable to work. However, statistics from the Social Security Administration revealed that more than one in four 20-year-olds will experience a disability lasting 90 days or more before reaching the age of 67.

Disabilities can arise from various causes, such as back injuries, cancer, heart attacks, diabetes, and other illnesses that can affect anyone, regardless of age or occupation. The impact of a disability on your ability to work and earn an income can be devastating, making disability insurance a vital asset.

Types of Disability Insurance in Arizona


In Arizona, disability insurance comes in two primary forms: short-term disability insurance and long-term disability insurance. These types of coverage provide financial support during periods of disability, ensuring that you can meet your financial obligations and maintain your standard of living

1. Short-Term Disability Insurance

Short-term disability insurance offers coverage for a limited period, typically ranging from a few months up to a year, depending on the specific policy. It replaces a percentage of your base salary, usually around 60% to 70%, up to a predetermined cap. This type of coverage is crucial during the initial stages of a disability, providing support when you’re unable to work and may have immediate medical expenses or other financial commitments.

Short-term disability insurance often includes a waiting period, which is a specific duration that must pass after becoming disabled before benefits are paid. This waiting period allows for the evaluation of the disability and ensures that coverage is provided to those who genuinely need it.

2. Long-Term Disability Insurance

Long-term disability insurance is designed to offer coverage over an extended period, potentially until retirement age or until the disability ceases. It typically replaces a percentage of your base salary, commonly ranging from 40% to 60%. This form of coverage provides sustained income protection, ensuring that you can maintain your lifestyle and meet your financial needs in the long run.

Compared to short-term disability insurance, long-term policies often have a longer waiting period, typically around 90 days after the disability occurs, before benefits are paid. This waiting period allows for a thorough assessment of the disability’s severity and expected duration.

It’s important to understand that disability policies may vary in how they define “disabled.” Some policies provide benefits only if you’re unable to work in any job you are qualified for, while others offer coverage if you can’t perform tasks related to your current occupation. Additionally, some policies cover partial disability, providing benefits if you can work only on a part-time basis. Familiarizing yourself with the terms and conditions of your specific policy is essential to ensure that you have the right coverage to meet your unique needs.

Top Disability Insurance Companies Represented by Blake Insurance Group

When it comes to selecting the right disability insurance provider in Arizona, working with a reputable agency can make all the difference. Blake Insurance Group, based in Tucson, Arizona, is an esteemed insurance agency that represents top-tier insurance companies specializing in disability insurance. By partnering with Blake Insurance Group, you gain access to an array of reputable insurance providers, ensuring that you receive the best possible coverage tailored to your needs.

Here are some of the leading disability insurance companies represented by Blake Insurance Group:

  1. Ohio National Financial Services: Ohio National’s Disability Income Insurance offers comprehensive coverage for individuals and small-business owners in various occupations. Whether you’re a doctor, executive, teacher, or technician, Ohio National can design a disability income policy that suits your needs and budget. They also provide specialized coverage for small-business owners, such as Business Overhead Expense (BOE) and Business Buy-Sell policies.
  2. Assurity: Assurity is renowned for its diverse portfolio of disability income insurance products designed to cater to personal and business needs. Their offerings include Century Individual Disability Income (IDI), Simplified Disability Income, and Graded Benefit Disability Income (GBDI). With over 125 years of experience, Assurity has the expertise to customize solutions based on your lifestyle, occupation, budget, and health conditions.
  3. Aflac: Aflac’s Short-Term Disability Insurance provides monthly income benefits to help cover daily expenses, such as mortgage or rent, groceries, and utilities, in the event of a disability. Aflac offers individual coverage options tailored to your financial needs and income. Their guaranteed-issue coverage eliminates the need for a medical questionnaire, and they pay a cash benefit for each day you are disabled, ensuring you have the necessary funds to maintain your financial stability.

These are just a few examples of the esteemed insurance companies that Blake Insurance Group represents. By partnering with Blake Insurance Group, you can gain access to a wide range of disability insurance options from reputable providers, ensuring that you receive the best coverage available in Arizona.

Disability insurance is a vital component of protecting your income and securing your financial future, particularly in a state like Arizona, where unexpected health issues or injuries can disrupt your ability to work. By understanding the different types of disability insurance available, including short-term and long-term coverage, and partnering with a reputable agency like Blake Insurance Group, you can ensure that you have the necessary coverage to meet your unique needs. Contact Blake Insurance Group today to explore your disability insurance options and receive expert guidance in selecting the best policy for your circumstances.

*Disclaimer: The information provided in this article is for informational purposes only and should not be considered as legal, financial, or professional advice. It is always recommended to consult with qualified professionals or insurance agents for personalized advice regarding your specific situation.*

Workers’ Compensation.

If you are disabled by an injury or sickness that is covered by state or federal workers’ compensation, employer’s liability, or occupational disease law we will pay you 50 percent of the short-term disability benefits for which you are eligible.

Rehabilitation Benefit.

You may be eligible to receive vocational rehabilitation services at our expense.
Optional Benefits (additional premium applies).
Critical Illness Benefits Rider (Form 0LL8M).
Pays up to $25,000 in a lump-sum benefit if you are diagnosed with certain specified diseases.
Hospital Confinement Indemnity Benefits Rider (Form 0LL9M).
Pays up to $500 for each day you’re confined to a hospital. The benefit doubles for days of confinement in intensive care. Benefits are payable for a maximum of 45 days for any period of confinement.

Accident Medical Expense Benefits Rider (Form 0ML1M-41).
This rider will provide you with reimbursement for medical-related expenses incurred per accident. Maximum benefit amounts per accident are $1,000, $2,000, $3,000 and $5,000. The benefit only applies to services and supplies received within 26 weeks from the date of the covered injury.
Return of Premium Benefit Rider (Form 0AZA4M Rev. or 0AX5M Rev.).
Pays you back either 50 or 80 percent of premiums minus claims paid after 10 years, depending on the option you choose.