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HBADE Sponsored Insurance Program – Benefits Connection

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The Advisora publication of Allen Insurance Group April/May 2014
Summer Fun
Boat Boats – Jet Skis – Motor Cycles MotorcycleSummer is coming (really), this means Boats & Jet Skis will be launched and Motor Cycles will come out of the garage.

Many times we are asked to add a new boat, jet ski or motor cycle to a clients Auto or Home policy and have to explain that this cannot be done.

These items require a separate policy specific to that item. We will be happy discuss coverage and cost with you. Contact us at 302-654-8823 or email us at allen.

May is Disability Awareness Month
If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income?Disability income insurance, which complements health insurance, can replace lost income. Forty-three percent of all people age 40 will have a long-term (lasting 90 days or more) disability event by age 65.

There are three basic ways to replace income:

  1. Employer-paid disability insurance:
    Many employers provide some short-term sick leave. Larger employers often provide long-term disability coverage, typically with benefits of up to 60 percent of salary lasting from two years to age 65, and in some cases extended for life.
  2. Social Security disability benefits:
    This can be paid to workers whose disability is expected to last at least 12 months and is so severe that no gainful employment can be performed.
  3. Individual disability income insurance policies:
    Other limited replacement income is available for workers under some circumstances from workers compensation (if the injury or illness is job-related), auto insurance (if disability results from an auto accident) and the Department of Veterans Affairs.For most workers, even those with some employer-paid coverage, an individual disability income policy is the best way to ensure adequate income in the event of disability. When you buy a private disability income policy, you can expect to replace from 50% to 70% of income. Insurers won’t replace all your income because they want you to have an incentive to return to work. However, when you pay the premiums yourself, disability benefits are not taxed. (Benefits from employer-paid policies are subject to income tax.)

To learn more about individual disability policies, benefits and cost contact us at 302-654-8823 or email us at allen.

Delaware Insurance Department
Spring 2014 Edition from Commissioner Karen Weldin Stewart Read the DOI’s Newsletter
Allen Ins Group logo 410 Delaware Ave Wilmington, DE 19801

302-654-8823

allen

www.AllenInsurance.com

We Love Referrals
If we have done a good job for you by providing comprehensive coverage, shopped for the best price and given you the service you expect – please share us with your family and friends.We offer:

Personal Auto

Homeowners

Healthcare plans

Life Insurance

Business Ins

General Liability

Business Auto

Workers Comp

Group Benefits

Medical

Dental

Vision

Life

Anyone can visit our website for much more information:

www.AllenInsurance.com

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Allen Insurance Group | 410 Delaware Avenue | Wilmington | DE | 19801

About HBA of Delaware

HBA/DE has been an integral part of the growth and economic development of the State of Delaware since 1947. HBA/DE was founded as a non-profit state affiliate of the National Association of Home Builders (NAHB) representing home builders and other businesses directly related to Delaware's Home Building Industry. Consisting of Builders, Remodelers and a group of diversified associate members, the Home Builders Association of Delaware strives to protect and preserve housing as a symbol of America. www.hbade.org

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