Assurity’s short-term disability insurance could be a good choice for high earners. Its Century policy offers coverage for up to 74% of income and a monthly maximum benefit of $20,000, tied for the highest amount in Investopedia's study. While Assurity markets Century as long-term disability insurance, the policy offers a benefit period of as little as one year and an elimination period as short as 30 days. 

Given Century’s cov🎃erage scope, if you becomeꦑ disabled and can’t work, Assurity can provide a higher income replacement level than many competitors.

Additionally, Assurity offers convenient online quotes and claim filing, making it easier to access your disability benefits. You can add a catastrophic disability benefit rider, providing extra financia🦹l protection for the most severe disabilities.

Assurity’s standard short-term disability insurance policy offers weekly benefits that can start almost immediately, with benefit periods ranging from 13 weeks to two years. It also doesn’t require medical exams or income verification, w🎀hich streamlines the application process. However, this policy only offers benefits up to $1,5ﷺ00 a week.

Notably, Assurity’s premiums may run higher than those of competitors. Based on quotes we collected for a 40-year-old dentist making $100,000 a year, the monthly prem🌠ium was $77, higher than competitors like State Farm and Thrivent.

A𝓀ssu💙rity was founded in 1890 and is based in Lincoln, Nebraska.

Thrivent distinguishes itself by offering the lowest short-term disability insurance premiums among the companies Investopedia reviewed. Based on quotes we collected fo🌱r a 40-year-old dentist making $100,000 a year, the monthly premium was $48. The next-cheapest qu𝕴ote was $60 from State Farm.

Additionally, Thrivent provides relatively quick access to benefits, with the possibility of receiving payments within 30 days of becoming disabled. It has a good selection of riders, allow꧂ing🎃 you to customize your coverage to your needs.

Howe🎐ver, Thrivent’s short-term disability insurance🍌 has limitations. Its maximum monthly benefit is $3,700, which might be insufficient if you have a higher income.

Thrivent doesn’t offer the convenience of online quotes or claim filing. Additioꦛnall🔯y, Thrivent coverage is exclusively available to Christians and their families.

Thrivent was founded in 1902 and is based in Minn✤eapolis.

Ameritas’ short-term disability insurance 🍒excels in customization options, offering a wide selection of riders to tailor coverage to your needs. It also stands out for its $20,000 maximum monthly benefit. That amount tied with A꧋ssurity for the highest in Investopedia’s study and provides a substantial level of income replacement. 

Additionally, Ameritas allows applicants up to age 64. Its short-term disability policy includes🐲 rehabilitation benefits, helping you recover and return to work.

Ameritas’ DInamic Cornerstone policy can include a benefit period of as little as one year if you buy a 澳洲幸运5开奖号码历史查询:guaranteed renewable plan. The riders include:

• A residual disability rider (also known as partial disability), which provides benefits if you can work part-time.
• A student loan repayment rider, which helps pay your student loans while disabled.
• A catastrophic disability rider, which provides additional financial support for severe disabilities.

Ameritas also has a disability policy, DInamic Fundamental, that pays a benefit in one lump sum or over six months. It’s targeted at people earnin✱g less than $100,000 a year with a benefit equivalent to a year of income. You can receive the benefit once it’s determined your disability will last a year. In contrast, the Cornerstone policy may only cover up to 66% of your income.

You can’t get a quote online for a short-term Ameritas policy. You must contact a financial professionaღl.

Ameritas was founded in 1887, and it’s headquar♔tered in Lincoln, Nebraska.