Group Disability Supplemental Insurance Plans For Income Protection, ABOUT GROUP DENTAL INSURANCE, GROUP INSURANCE SAN FRANCISCO CALIFORNIA, GROUP HEALTH INSURANCE SAN FRANCISCO CALIFORNIA, HEALTH INSURANCE SAN JOSE, MEDICAL INSURANCE SAN FRANCISCO, INSURANCE BROKER SAN FRANCISCO, BUSINESS INSURANCE SAN FRANCISCO, DENTAL INSURANCE SAN FRANCISCO, SMALL BUSINESS HEALTH INSURANCE , 401K, group insurance for Dental, Vision, Life, Short term and Long term Disability, 401k, COBRA and Cal COBRA, HSA (Health Savings Accounts), FSA (Flexible Spending Accounts) (Section 125), Employee Benefits Management Services
 
GROUP INSURANCE CALIFORNIA, SAN FRANCISCO, SAN JOSE
MEDICAL INSURANCE, DENTAL INSURANCE, VISION INSURANCE, 401(k), DISABILITY INSURANCE
HEALTH INSURANCE, CALIFORNIA, GROUP HEALTH INSURANCE CALIFORNIA, CONTRA COSTA, ALAMEDA, SANTA CLARA, SAN MATEO, MARIN, DUBLIN, PLEASANTON, WALNUT CREEK, CONCORD, MOUNTAIN VIEW, SANTA CLARA, MEDICAL, DENTAL, VISION, 401K, DISABILITY, HEALTH INSURANCE FOR SMALL BUSINESS, BUSINESS INSURANCE, LONG TERM CARE INSURANCE, MEDICARE SUPPLEMENTAL INSURANCE, HSA, HRA, COBRA, CALCOBRA, FSA, Aetna, American Specialty Health Plans, Ameritas, Anthem Blue Cross, Assurant, Beneficial Administration Company, Benelect, Best Life, Blue Shield of California, California Choice, Cigna, Colonial Life, CoPower, Delta Dental, Direct Dental Administrators, Eye Med, Guardian, Hartford, Healthnet, HSA California, Humana, ING, John Hancock, Kaiser, KP Choice Solution, Landmark, Lincoln Financial, MES Vision, MetLife, MHN, Nippon Life, Pacificare, Premier Access Dental, Principal, Reliance Standard, Safeguard, Sharp Health Plan, Standard, Sun Life, The Holman Group, United Concordia, United Healthcare, Unum Provident, Vision Plan of America, Vision Service Plan (VSP), Western Health Advantage, Wolfpack

"Reap the BENEFITS of Our Expertise." Call today!

(925) 244-1330
Call Today for FASTER SERVICE!
Email: Begin@GgroupInsuranceSanFrancisco
CaliforniaSanJoseSanMateoSantaClara.com
Products: Group Health InsuranceMedical InsuranceDental InsuranceVision InsuranceDisability Insurance401(k)
 
CONTACT US:
   


 

GROUP
INSURANCE
CALIFORNIA CA
.com



Sound Benefit Solutions
KEITH HALE
2410 Camino Ramon, Ste. 124
San Ramon, CA, 94583

CA License 0829290

Phone: (925) 244-1330



Email: Begin@GgroupInsuranceSanFrancisco
CaliforniaSanJoseSanMateoSantaClara.com
   
 


 
 





What We Do

Get Quick Group Insurance Quotes
For Your Business,

Lower Your Group Insurance Costs,

As an Insurance Broker / Employee Benefits Consultant, I specialize in offering benefits to groups with 2-50 employees in the areas of medical, dental, vision, life, disability, and 401k. Employee Benefits Management Services with Medical and Healthcare Benefits for Employees, including medical insurance, 401(k), FSA, legal and regulatory administration, privately owned, independent insurance broker, delivers seamless service to companies of all sizes as well as to individual clients, full-service employee benefit management company

 

How do you become famous?
Helping people! Changing their lives and making a difference in their lives.
Loving them... Eric Brenn


 

Group Disability Supplemental Insurance Plans For Income Protection

Author: John Massa

Much has been said about the inadequacy of group disability insurance plans offered by employers. For example, group disability plans generally have the following shortcomings:

- The plans pay up to 60% of regular income, however, all benefits are fully taxable, reducing take-home pay to roughly 42% of your standard paycheck.

- Group benefits are commonly reduced based income from other sources such as federal Social Security Disability Insurance (SSDI), Worker's Compensation, or any plan/program toward which the employer contributes or makes payroll deductions.

- Group coverage has monthly benefits limits, usually in the $5,000 range (before taxes). If your annual salary is more than ~$70,000, you will find benefits from your disability insurance to be woefully less, even though the policy is paying a maximum benefit.

- Read the fine print! Group policies can include exclusions or limited coverage for specific situations such as mental or nervous-related conditions. Coverage for alcohol or drug-related disabilities can be limited to as short as 6 months or excluded altogether.

While such policies often have these and other limitations, group coverage can provide an excellent foundation for proper income protection at a very low monthly cost.

The problem is that many people assume group coverage is the entire answer when, in fact, it is just a beginning.

"People think because they deduct a few bucks from their paycheck each time that they're covered if they can't work," explains Rene Apack, President of Insure Your Future, the nation's leading independent disability insurance brokerage. "It's only after the first disability income check that the hard reality sets in, and by then, supplemental coverage is no longer an option."

Supplemental disability insurance is coverage purchased to fill in the gaps found with the group disability insurance offered by your employer.

A supplemental disability insurance policy can reduce your risk of severe income loss in several ways:

? Policies can be written to extend your income coverage to 100% very affordably.

? Because you pay the premium, all benefits received via the supplemental policy are tax-free.

? Gaps in coverage identified by your insurance agent can be specifically closed in the supplemental policy.

? While group coverage ends when you leave your employer, supplemental coverage remains with you regardless of for whom you work.

Depending on your group policy, a supplemental policy can be further customized to fit coverage to your specific needs.

Apack continues, "The most affordable disability coverage available is supplemental insurance. We have clients that pay less than $60 per month for coverage that shores up their group disability to cover 100% of their regular income and closes gaps in their employer's policy."

Income Protection Takes Planning

Supplemental insurance can be a viable, affordable solution for couples planning to have a child as well. The number one cause of missing work for 180 or less consecutive days (i.e., short term disability) is pregnancy. The second leading cause of long term disability (over 180 days) is also pregnancy, both before and after delivery.

Future moms can apply for insurance supplemental to their group coverage prior to becoming pregnant as a hedge against missing work during the maternity months. Once back at work, the option exists to continue the coverage or let it expire.

The key to protecting a household's cash flow during and after pregnancy is for the future mom to get supplemental coverage before getting pregnant. Once pregnant, the disability benefits insurance companies offer disappear.

"We literally get 2-3 calls per day from women that are already pregnant looking for disability insurance. We'd love to sell them a policy but the dozen or so major carriers we work with have no such coverage," explains Apack.

Don't let your group disability benefits insurance give you a false sense of security. It's cheap and it's easy... but it's just a start! True income protection can be affordably achieved by strengthening your group policy with supplemental disability insurance.

 

  
         
 

 
GROUP INSURANCE CALIFORNIA, SAN FRANCISCO, SAN JOSE
MEDICAL INSURANCE, DENTAL INSURANCE, VISION INSURANCE, 401(k), DISABILITY INSURANCE
HEALTH INSURANCE, CALIFORNIA, GROUP HEALTH INSURANCE CALIFORNIA, CONTRA COSTA, ALAMEDA, SANTA CLARA, SAN MATEO, MARIN, DUBLIN, PLEASANTON, WALNUT CREEK, CONCORD, MOUNTAIN VIEW, SANTA CLARA, MEDICAL, DENTAL, VISION, 401K, DISABILITY, HEALTH INSURANCE FOR SMALL BUSINESS, BUSINESS INSURANCE, LONG TERM CARE INSURANCE, MEDICARE SUPPLEMENTAL INSURANCE, HSA, HRA, COBRA, CALCOBRA, FSA, Aetna, American Specialty Health Plans, Ameritas, Anthem Blue Cross, Assurant, Beneficial Administration Company, Benelect, Best Life, Blue Shield of California, California Choice, Cigna, Colonial Life, CoPower, Delta Dental, Direct Dental Administrators, Eye Med, Guardian, Hartford, Healthnet, HSA California, Humana, ING, John Hancock, Kaiser, KP Choice Solution, Landmark, Lincoln Financial, MES Vision, MetLife, MHN, Nippon Life, Pacificare, Premier Access Dental, Principal, Reliance Standard, Safeguard, Sharp Health Plan, Standard, Sun Life, The Holman Group, United Concordia, United Healthcare, Unum Provident, Vision Plan of America, Vision Service Plan (VSP), Western Health Advantage, Wolfpack

"Reap the BENEFITS of Our Expertise." Call today!

(925) 244-1330
Call Today for FASTER SERVICE!
Email: Begin@GgroupInsuranceSanFrancisco
CaliforniaSanJoseSanMateoSantaClara.com
Products: Group Health InsuranceMedical InsuranceDental InsuranceVision InsuranceDisability Insurance401(k)

How do you become famous? Helping people! Changing their lives and making a difference in their lives.
Loving them... Eric Brenn


GROUPINSURANCECALIFORNIACA.COM

CALIFORNIAHEALTHINSURANCESANFRANCISCODISABILITYMEDICALDENTAL.COM

GROUPINSURANCESANFRANCISCOCALIFORNIASANJOSESANMATEOSANTACLARA.COM

Sound Benefit Solutions, 2410 Camino Ramon, Ste. 124, San Ramon, CA, 94583

What We Do

Get Quick Group Insurance Quotes
For Your Business,

Lower Your Group Insurance Costs,

As an Insurance Broker/Employee Benefits Consultant, I specialize in offering benefits to groups with 2-50 employees in the areas of medical, dental, vision, life, disability, and 401k. Employee Benefits Management Services with Medical and Healthcare Benefits for Employees, including medical insurance, 401(k), FSA, legal and regulatory administration, privately owned, independent insurance broker, delivers seamless service to companies of all sizes as well as to individual clients, full-service employee benefit management company

 

Geography / Zipcodes we do business in:

San Francisco, 94101, 94102, 94103,94104, 94105, 94107, 94108, 94109, 94110, 94111, 94112, 94114, 94115, 94116,94117, 94118 , 94119, 94120, 94121, 94122, 94123, 94124, 94125, 94126, 94127, 94129, 94130, 94131, 94132, 94133, 94134, 94137, 94139, 94140, 94141, 94142, 94143, 94144, 94145, 94146, 94147, 94151, 94153, 94154, 94156, 94158, 94159, 94160, 94161, 94162, 94163, 94164, 94171, 94172 , 94177, 94188, 94199, 94506
Alamo, 94507
Antioch,94509, 94531
Brentwood, 90049, 94513
Byron, 94514
Clayton, 94517
Concord, 94518, 94519, 94520, 94521, 94522, 94523, 94524, 94527, 94529
Pleasant Hill, 94523
Crockett, 94525
Danville, 94506, 94526
El Cerrito, 94530
Antioch, 94509, 94531
Hercules, 94547
Lafayette, 94549, 94596
Martinez,94553
Moraga, 94556, 94570, 94575
Oakley,94561
Orinda, 94563
Pinole, 94564
Pittsburg, 94565
Rodeo, 94547, 94572
San Ramon, 94583
Walnut Creek, 94595, 94596, 94597, 94598
Richmond, 94530, 94801, 94802, 94803, 94804, 94805, 94806, 94807, 94808, 94820, 94850
El Sobrante, 94803, 94820
San Pablo, 94806
Alameda 94501, 94502
Santa Clara 95050, 95051, 95052, 95053, 95054, 95055,95056, 94002 650
Belmont , 94002, 94003
Brisbane, 94005
Burlingame, 94010, 94011, 94012
Daly City, 94013, 94014, 94015, 94016, 94017
El Grananda, 94018
Half Moon Bay, 94019
La Honda, 94020
Loma Mar, 94021
Menlo Park, 94025, 94026, 94027, 94028, 94029
Atherton, 94027
Portola Valley, 94028
Millbrae, 94030, 94031
Montara,93940, 93942, 93943, 93944
Moss Beach, 94038
Mountain View, 94035, 94039, 94040, 94041, 94042, 94043
Pacifica, 94044, 94045
Pescadero, 94060
Redwood City, 94059, 94061, 94062, 94063, 94064, 94065
San Bruno, 94066, 94067, 94096, 94098
San Carlos, 94070, 94071
South San Francisco, 94080, 94083, 94099
Palo Alto, 94301, 94302, 94303, 94304, 94305, 94306, 94307, 94308, 94309, 94310
San Mateo, 94401, 94402, 94403, 94404, 94405, 94406, 94407, 94408, 94409, 94497
San Rafael 94901, 94903, 94904, 94912, 94913, 94914, 94915
Greenbrae 94904, 94914
Kentfield 94904, 94914
Belvedere, 94920
Tiburon 94920
Bolinas 94924
Corte Madera 94925, 94976
Dillon Beach 94929
Fairfax 94930, 94978
Forest Knolls 94933
Inverness 94937
Lagunitas 94938
Larkspur 94939, 94977
Marshall 94940
Mill Valley 94941, 94942
Novato 94945, 94947, 94948, 94949, 94998
Nicasio 94946
Oleama 94950
Point Reyes Station 94956
Ross 94957
San Anselmo 94960, 94979
San Geronimo 94963
San Jose, 95101, 95102, 95103, 95106, 95108, 95109, 95110, 95111, 95112, 95113, 95114, 95115, 95116, 95117, 95118, 95119, 95120, 95121, 95122, 95123, 95124, 95125, 95126, 95127, 95128, 95129, 95130, 95131, 95132, 95133, 95134, 95135, 95136, 95137, 95138, 95139, 95140, 95141, 95142, 95148, 95150, 95151, 95152, 95153, 95154, 95155, 95156, 95157, 95158, 95159, 95160, 95161, 95164, 95170, 95171, 95172, 95173, 95190, 95191, 95192, 95193, 95194, 95196
San Quentin 94964, 94974
Sauslito 94965, 94966
Stinson Beach 94970
Tomales 94971
Wood acre 94973
Corte Madera 94925, 94976
Monterey 93940, 93942, 93943, 93944
Santa Cruz 95060, 95061, 95062, 95063, 95064, 95065, 95066, 95067
Cupertiono 95014, 95015
Los Gatos 95030, 95031, 95032, 95033
Morgan Hill 95037, 95038
Campbell 95008, 95009, 95011
Sunnyvale 94085, 94086, 94087, 94088, 94089, 94090
Saratoga 95070, 95071
Los Altos 94022, 94023, 94024
Stanford 94305, 94309
Milpitas 95035, 95036
Portolla Valley 94028
Wood Side 94062
Fremont 94536, 94537, 94538, 94539, 94555
Newark 94560
Union City 94587
Hayward 94540, 94541, 94542, 94543, 94544, 94545, 94546, 94552, 94557
San Leandro 94577, 94578, 94579
Oakland 94601, 94602, 94603, 94604, 94605, 94606, 94607, 94608, 94609, 94610, 94611, 94612, 94613, 94614, 94615, 94617, 94618, 94619, 94620, 94621, 94622, 94623, 94624, 94625, 94626, 94627, 94643, 94649, 94659, 94660, 94661, 94662, 94666
Berkely 94701, 94702, 94703, 94704, 94705, 94706, 94707, 94708, 94709, 94710, 94712, 94720
Emeryville 94608, 94662
Dublin 94568
Livermore 94550, 94551
Vallejo 94503, 94589, 94590, 94591, 94592
Benicia 94510
Napa 94558, 94559, 94581, 94585
Santa Rosa 95401, 95402, 95403, 95404, 95405, 95406, 95407, 95408, 95409
Sanoma 95476
Fairfield 94533, 94534, 94535, 94585
 Sacramento 94203, 94204, 94205, 94206, 94207, 94208, 94209, 94211, 94229, 94230, 94232, 94234, 94235, 94236, 94237, 94239, 94240, 94243, 94244, 94245, 94246, 94247, 94248, 94249, 94250, 94252, 94253, 94254, 94256, 94257, 94258, 94259, 94261, 94262, 94263, 94267, 94268, 94269, 94271, 94273, 94274, 94277, 94278, 94279, 94280, 94282, 94283, 94284, 94285, 94286, 94287, 94288, 94289, 94290, 94291, 94293, 94294, 94295, 94296, 94297, 94298, 94299, 95812, 95813, 95814, 95815, 95816, 95817, 95818, 95819, 95820, 95821, 95822, 95823, 95824, 95825, 95826, 95827, 95828, 95829, 95830, 95831, 95832, 95833, 95834, 95835, 95836, 95837, 95838, 95840, 95841, 95842, 95843, 95851, 95852, 95853, 95857, 95860, 95864, 95865, 95866, 95867, 95873, 95887, 95894, 95899
Vacaville 95687, 95688, 95696
Dixon 95620
Stockton 95201, 95202, 95203, 95204, 95205, 95206, 95207, 95208, 95209, 95210, 95211, 95212, 95213, 95215, 95219, 95267, 95269, 95290, 95296, 95297, 95298
Tracy 95304, 95376, 95377, 95378, 95385, 95391
Manteca 95336, 95337
Modesto 95350, 95351, 95352, 95353, 95354, 95355, 95356, 95357, 95358, 95397
Hollister 95023, 95024
Watsonville 95076, 95077
Gilroy 95020, 95021
Salinas 93901, 93902, 93905, 93906, 93907, 93908, 93912, 93915, 93962
Marina 93933
Carmel 93921, 93922, 93923
Pacific Grove 93950
Fresno 93650, 93701, 93702, 93703, 93704, 93705, 93706, 93707, 93708, 93709, 93710, 93711, 93712, 93714, 93715, 93716, 93717, 93718, 93720, 93721, 93722, 93724, 93725, 93726, 93727, 93728, 93729, 93740, 93741, 93744, 93745, 93747, 93750, 93755, 93760, 93761, 93762, 93764, 93765, 93771, 93772, 93773, 93774, 93775, 93776, 93777, 93778, 93779, 93780, 93784, 93786, 93790, 93791, 93792, 93793, 93794, 93844, 93888

INSURANCE SAN FRANCISCO CALIFORNIA, GROUP HEALTH INSURANCE SAN FRANCISCO CALIFORNIA, HEALTH INSURANCE SAN JOSE, MEDICAL INSURANCE SAN FRANCISCO, INSURANCE BROKER SAN FRANCISCO, BUSINESS INSURANCE SAN FRANCISCO, DENTAL INSURANCE SAN FRANCISCO, SMALL BUSINESS HEALTH INSURANCE SAN FRANCISCO, BLUE CROSS MEDICAL INSURANCE SAN FRANCISCO, ANTHEM BLUE CROSS, EMPLOYEE BENEFITS CALIFORNIA, SAN FRANCISCO, SAN JOSE, HEALTH INSURANCE CALIFORNIA, EMPLOYEE BENEFITS, INSURANCE BROKER, MEDICAL INSURANCE, DENTAL INSURANCE, VISION INSURANCE, LIFE INSURANCE, 401K, group insurance for Dental, Vision, Life, Short term and Long term Disability, 401k, COBRA and Cal COBRA, HSA (Health Savings Accounts), FSA (Flexible Spending Accounts) (Section 125), Human Resources, HRA (Health Reimbursement Arrangements), Employee Benefits Management Services, 401K, Group Insurance, Group 401k, Group Disability, insurance California, insurance, health insurance, life insurance, insurance quote, insurance company, medical insurance, dental insurance, term insurance, group insurance, business insurance, insurance agency, term life insurance, employee benefits, insurance broker, affordable health insurance, health insurance quote, health insurance quotes, life insurance quote, small business insurance, whole life insurance, employee benefit, life insurance quotes, find insurance, employment benefits, provider, profiling,