1-800-945-9719
Home
Home
Instant LTD Quote
Basic Information
Gender
Please Select
Male
Female
Age
Please Select
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65+
State of Residence
Please Select
AK
AL
AR
AZ
CA
CO
CT
DC
DE
FL
GA
HI
IA
ID
IL
IN
KS
KY
LA
MA
MD
ME
MI
MN
MO
MS
MT
NC
ND
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VA
VT
WA
WI
WV
WY
Occupation
Please Select
Abstractor
Accountant - Other
Accountant - W/4 Yr Accounting Degree
Actuary - Other
Administrative Assistant
Advertising, Sales
All other M.D. or D.O. specialties
Allergist/Immunologist
Anesthesiologist
Anesthetist
Appraiser
Art Gallery Manager
Artist - Commercial Artist, Graphic Designer
Attorney
Audiologist
Auditor
Biochemist - Office and Consulting
Biologist - Office and Consulting
Bookkeeper
Botanist - Office and Consulting
Buyer
Cardiologist
Cardiovascular Surgeon
Chemist - Office and Consulting
Claims Adjuster, Examiner - Office Duties Only
Clergy
College Professor ($50K Last 2yrs and Grad. Degree)
Commercial Artist
Computer, Consultant, Systems Analyst, Programmer - other
Computer, Consultant, Systems Analyst, Programmer (earning over $70K)
Computer, Operator
Consultant (Computer)
Consultant (Financial, Mgt, PR)
Copy Writer
Counselor - MSW Degree
Dean Of College or University
Dentist
Dermatologist
Dietician - Not Preparing Food
Draftsman
Education - Dept. Head ($50K Last 2 Yrs and Grad Degree)
Education - Full College Prof ($50K Last 2 Yrs and Grad Degree)
Education - Other Education Administrator
Education - Principal ($50K Last 2 Yrs and Grad Degree)
Education - Superintendent ($50K Last 2 Yrs and Grad Degree)
Education - Teacher Of Academic or Commercial Subjects
Electrophysiologist
Emergency Room Physician
Employment Recruiter
Endocrinologist
Endodontist
Engineer - Field or Lab Duties (Chemical, Mechanical, Electrical)
ENT
Entertainment, Motion Picture - Director (not self employed)
Entertainment, Motion Picture - Management (office only)
Entertainment, Motion Picture - Producer (not self employed)
Entertainment, Motion Picture - Talent Agent
Executive ($30K Last 2yrs or 4yr College Deg) - Office Duties Only
Executive ($45K Last 2yrs and 10+ EEs) - Office Duties Only
Family Practice Physician
Financial Planner ($30K Last 2yrs)
Financial Planner (5+ Yrs Exp $75K Last 2yrs, Full-Time)
Funeral Director - No Embalming
Gastroenterologist
General Practice Physician
Geologist - Office and Consulting
Geriatrician
Government, Auditor
Government, Immigration Official - Official Duties Only (earning over $75K last 2 yrs)
Government, Interpreter
Government, Librarian
Government, Social Worker - Office Duties Only and MSW
Government, Tax Agent/Auditor
Graphic Designer
Hedge Fund Manager
Hematologist
Immunologist
Insurance Adjustor, Examiner - Office and Consulting Duties Only
Insurance Agent - $30K Last 2 Yrs
Insurance Agent - Full Time, 5+ Yrs Exp, $75K Last 2 Yrs
Interior Designer - Office and Consult Duties - (4 Yr Interior Design Degree)
Internist
Interpreter
Investment Banker (earning over $75,000)
Investment Banker, other
Jeweler - Sales, Administration Only
Landscape Architect - No Manual Labor, 4yr Professional Degree, less than 20% field
Landscape Architect - Other
Legal Assistant
Legal Secretary
Librarian
Lobbyist
Magazine, Copywriter - Office Duties Only
Magazine, Editor - Office Duties Only
Magazine, Manager - Office Duties Only
Magazine, Publisher - Office Duties Only
Magazine, Writer - Office Duties Only
Manager, Art Gallery
Manufacturing, Designer
Manufacturing, Draftsman
Manufacturing, Sales Representative
Manufacturing, Sales Representative - Earning over $75K
Market Research Analyst
Minister
Mortgage Loan Originator
Mortician - Not Embalming
Neonatologist
Nephrologist
Neurologist
Neurosurgeon
Newspaper, Copywriter - Office Duties Only
Newspaper, Editor - Office Duties Only
Newspaper, Manager - Office Duties Only
Newspaper, Publisher - Office Duties Only
Newspaper, Writer - Office Duties Only
Nurse Anethetist
Nurse Practitioner - Not Functioning As An RN
Nursing Director
Nursing Instructor
Nutritionist - Not Preparing Food
Obstetrician/Gynecologist
Office Worker (Earning over $30K)
Oncologist
Ophthalmologist
Opthalmologist
Optician - Not Grinding Lenses
Optometrist
Oral Surgeon
Orthodontist
Orthopedic Surgeon
Orthopedist
Otolaryngologist
Otologist
Pain Management Physician
Paralegal
Pastor
Pathologist
Pediatrician
Perfusionist
Periodontist
Physiatrist (Physical Medicine, Rehab)
Physician - Other
Physicians Assistant
Physicist - Office and Consulting
Plastic Surgeon
Podiatrist
Principal ($50K Last 2 Yrs and Grad Degree)
Psychiatrist
Psychologist - Other Graduate Degree
Psychologist - Phd Degree
Pulmonologist
Purchasing Agent
Rabbi - Synagogue Only
Radio, Director (not self employed)
Radio, Producer (not self employed)
Radio, Station Manager
Radiologist - All other states
Radiologist; not performing invasive or interventional procedures
Radiologist; performing invasive or interventional procedures
Real Estate Appraiser
Real Estate Property Manager (earning over $50K for last 2yrs) - no manual or maintenance duties
Recruiter (Employment)
Respiratory Therapist
Rheumatologist
Sales Manager - Earning Over 75K
Sales Manager - Other
Sales, Bond Trader
Sales, Broker (Full Time, 5+ Yrs, $50K Last 2 Yrs)
Sales, Insurance Agent ($30K Last 2 Yrs)
Sales, Insurance Agent (Full Time, 5+ Yrs, $75K Last 2 Yrs)
Sales, Manufacturers Representative - Earning over 75K
Sales, Manufacturers Representative - Other
Sales, Real Estate Agent, Broker, Developer (Full Time, Active for 4 Yrs and 50K Last 2 Yrs)
Scientist - Office and Consulting
Secretary
Social Worker - Office Duty Only and MSW
Speech Therapist
Stockbroker ($30K Last 2 Yrs)
Stockbroker (5+ Yrs Exp, $75K Last 2 Yrs)
Superintendent ($50K Last 2 Yrs and Grad Degree)
Surgeon
Surgeon (all specialties)
Tax Agent, Auditor
Teacher, Choir Director
Teacher, Driver Education
Teacher, Guidance Counselor
Teacher, Private Music Instructor
Teacher, Special Education
Television, Director
Television, Producer
Television, Station Manager
Theater, Director (not self employed)
Theater, Producer (not self employed)
Urologist
Venture Capitalist
Veterinarian - Other
Veterinarian - Small Animal, in Clinic
Writer - Not Free Lance or Working From Home
Smoker?
No
Yes
Annual Income
15,000
16,000
18,000
20,000
24,000
30,000
36,000
40,000
48,000
50,000
52,000
60,000
70,000
80,000
90,000
100,000
110,000
120,000
130,000
140,000
150,000
160,000
170,000
180,000
190,000
200,000
210,000
220,000
230,000
240,000
250,000
260,000
270,000
280,000
290,000
300,000
310,000
320,000
330,000
340,000
350,000
360,000
370,000
380,000
390,000
400,000
420,000
440,000
460,000
480,000
500,000
520,000
540,000
560,000
580,000
600,000
620,000
640,000
660,000
680,000
700,000
720,000
740,000
760,000
780,000
800,000
820,000
840,000
860,000
880,000
900,000
920,000
940,000
960,000
980,000
1,000,000
1,020,000
1,040,000
1,060,000
1,080,000
1,100,000
1,120,000
1,140,000
1,160,000
1,180,000
1,200,000
1,220,000
1,240,000
1,260,000
1,280,000
1,300,000
1,320,000
1,340,000
1,360,000
1,380,000
1,400,000
1,420,000
1,440,000
1,460,000
1,480,000
1,500,000
1,520,000
1,540,000
1,560,000
Existing Monthly
Disability Income
• If you are residually disabled (under the terms of this rider) and lose at least 20% of your prior earnings, you receive a benefit that is proportionate to your loss of earnings. A residual disability is when you are not totally disabled, but solely due to an injury or sickness, you are able to perform some, but not all of the substantial and material duties of your occupation, unable to work full time in your occupation, or are working in another occupation.
• Once you qualify for residual disability benefits, you are guaranteed a minimum benefit of 50% of your maximum monthly benefit for the first six months. If your loss of earnings exceeds 75%, then 100% of the maximum benefit is paid.
• After recovering from a residual or total disability in which you were receiving benefits, and you return to work fulltime, recovery benefits are payable as long as you continue to have a recovery loss of earnings equal to or greater than 20% of your recovery prior earnings and the loss is directly and solely due to the injury or sickness that caused your prior disability. Recovery benefits end when you no longer have a recovery loss of earnings greater than 20% for two consecutive months and will not be paid beyond the maximum benefit period.
If you become totally disabled from your occupation and choose to work in another occupation, you’ll receive full benefits, regardless of the income you earn from the other occupation.
While you’re disabled under the terms of the policy, your benefit is adjusted to help keep up with inflation.
This rider provides a monthly benefit in addition to your monthly disability benefit (and SIS benefit) if you become catastrophically disabled solely due to an injury or sickness and you lose the ability to perform two or more Activities of Daily Living without assistance or become cognitively impaired or presumptively disabled.
This rider automatically increases coverage every year for six years (based on the change in the Consumer Price Index for All Urban Consumers [CPI-U]) without requiring evidence of insurability. In addition to the CPI-U increase, you also may be eligible for an additional benefit increase based on a change in your financial situation. This rider can be renewed at the end of six years with financial underwriting.
Please select the amount closest to your Annual income. If self-employed – Annual income equals Gross Income after business expenses, but before taxes.
Assumes existing coverage is individual and tax free.
The maximum benefit that will be paid each month during the benefit period.
The period of time between the onset of a disability, and the time you are eligible for benefits.
The maximum period of time for which benefits will be paid for a covered disability.
Resources
Stories
Solutions
Needs Calculator
Get a Quote
Short Term Disability
Long Term Disability
Personalized Quote
Support
Web:
http://www.freedombenefits.net/
Phone:
1-800-945-9719
Email:
info@drgdi.com