California Disability Insurance Information

The most valuable resource that anyone possesses is their ability to
provide an income. If everything else that you own or care about is
insured and this ability is removed there may be no way possible to
pay the premiums on other insurance or even to keep that which is
insured. California Disability insurance will provide you with an
income should you become sick or disabled.

Even with benefits such as California Workers Compensation and
Social Security, individual disability insurance benefits are still
important. A disability financially can be worse than death, since living
expenses continue and may increase due to a need for expensive
specialized care. Many people also purchase disability insurance to
help ensure a continuous income should they suffer disabilities that
are not covered by Social Security.

Individual disability insurance coverages pay a percentage of your
salary if you become temporarily disabled, meaning that you are not
able to work due to sickness or injury (excluding on-the-job injuries,
which are covered by workers compensation insurance).

Disability Insurance Coverage Features - California

California disability insurance policies have a fixed monthly benefit
that does not increase with time, although you can purchase extra
coverage, or riders, that offer higher payment schedules.

Disability types include:

Own Occupation - the inability to perform the duties of your
specific occupation or Any Occupation - the inability to perform
the duties of any job for which your education and training make
you qualified.

You can choose the length of the waiting period on your California
disability insurance policy. Waiting periods can range from one
week to two years and the longer you wait the less your disability
insurance policy will cost.

You also can choose the length of the benefit period, which is how
long you will receive monthly benefits once your disability insurance
policy starts paying.

Review the types of individual disability insurance we offer
residents of California by clicking on a link below.

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.

Short term disability insurance is sometimes referred to as Accident and Sickness
insurance. It provides benefits for a limited period of time, typically 26 weeks or
less. Short term disability usually provides coverage for accidents or illnesses
outside of work when California Workers Compensation insurance does not apply.

You would begin receiving money from your California short term disability insurance
policy within 1 to14 days after becoming sick or disabled. The actual time for coverage
to begin depends on whether you suffer an illness or injury. If you suffer an injury, your
benefits will be paid immediately. If you suffer an illness, it will take longer because
there needs to be sufficient time to show that the illness is grave enough to be
disabling.

You choose the amount of income (up to 66% of your gross income) from $400 to
$2000 a month when you can't work due to an accident or illness.

Benefit periods of up to 2 years!

Short waiting periods 1 to 14 days!

Click on the link below to fill out a secure quote request form for a California Short
Term Disability Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or speak with our California Disability Insurance agent specialist toll
free at 888-991-2929 to discuss the features.

Long term disability insurance provides benefits for a limited period of time,
typically 2 or 5 years and is also usually guaranteed renewable until the age of
65. Long term disability insurance usually provides coverage for accidents or
illnesses outside of work when California Workers Compensation insurance
does not apply.

You can begin receiving money from your California long term disability
insurance policy when the "waiting period" time chosen for the policy is reached.
Typically, 6 months to a year is chosen for a waiting period in order to reduce
your premium, but shorter times are available.

You choose the amount of income (up to 66% of your gross income) from $400
to $3000 a month when you can't work due to an accident or illness.

Hospitalization Rider pays up to double your benefit per month

(for two months) if an injury or sickness puts you in the hospital!

Click on the link below to fill out a secure quote request form for a California Long
Term Disability Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or speak with our California Disability Insurance agent specialist toll
free at 888-991-2929 to discuss the features.

Benefit periods of 2 & 5 years!

Short waiting periods 7, 14, 30, and 90 days!

Guaranteed renewable to age 65

24 hour coverage - on or off the job!

$2,500 Accidental Death Benefit included!

No restrictions on how the money is used!

No benefit reduction at age 65!

We are your local Turlock, CA insurance agency, offering affordable disability insurance
policy premiums in the following cities and counties: Modesto, Merced, Stockton, Livingston,
Hilmar, Stevinson, Atwater, Winton, Delhi, Cressey, Ballico, Denair, Hopeton, Newman,
Patterson, Crows Landing, Keyes, Hughson, Oakdale, Ceres, Westley, Grayson, Vernalis,
Hickman, Waterford, Tracy, Manteca, Valley Home, Escalon, Banta, Livermore, Lathrop,
French Camp, Farmington, Peters, Linden, Waterloo, Byron, Lodi, Galt, Rio Vista, Oakland,
Concord, Hayward, Fremont, Pleasanton, Santa Clara, San Ramon, East Foothills,
Sunnyvale, Union City, Castro Valley, Alameda, San Leandro, Dublin, Walnut Creek, South
San Francisco, Milpitas, Antioch, Pittsburg, Sacramento, Davis, Ione, Woodland, North
Highlands, Coulterville, Groveland, Sonora, West Sacramento, Vacaville, Merced Falls, La
Grange, Snelling, Catheys Valley, Planada, Tuttle, Gustine, Los Banos, Santa Nella, Volta,
El Nido, Chowchilla, Raymond, Coarsegold, Fairmead, Berenda, Fresno, Clovis, Kerman,
Mendota, Dos Palos, Firebaugh, Ripperdan, Rolinda, Biola, Easton, Parlier, Selma,
Kingsburg, Hanford, Tulare, Visalia, Reedley, Orange Cove, Woodlake, Orosi, Hollister,
Gilroy, Stanislaus County, Merced County, San Joaquin County, Madera County, Santa
Clara County, Calaveras County, Mariposa County, Alameda County, Contra Costa County,
Sacramento County, CA. We also offer disability insurance services throughout the state of
California, including the San Francisco, San Jose, Los Angeles and San Diego metro areas,
as well as throughout Arizona and Nevada.

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Disability

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GDI Insurance Agency

801 Geer Road

Turlock, California 95380

Stanislaus County, CA

(209) 634-2929

Toll Free: (888) 991-2929

Fax: (209) 634-2927