Blog Posts and Articles

The Benefits of Disability Insurance

Disability Insurance

If humans are given sufficient time to prepare, they can anticipate and plan for life pretty well. Occasions such as marriages, child birth and retirement require a significant amount of time and other resources. However, it’s difficult for most people to imagine – let alone save for – major, unexpected life changes.

For instance,a lot of people don’t know how to get disability benefits, which is why injuries and serious illnesses affect millions of Americans each year. Most of the times, they come without warning. While the majority of working adults in the United States have some form of health insurance or health coverage,most lack disability insurance coverage.

According to the Bureau of Labor Statistics, only 39% of American workers had short-term disability insurance and 33% had long-term disability insurance up to a few years ago.

What Is Disability Insurance?

Disability insurance, also known as protection insurance disability has two forms.

  • Short-term disability insurance
  • Long-term disability insurance

Policy terms and coverage vary by issuer.Below is a general overview of the key differences between the two:

Short-Term Disability Insurance

Short-term disability (STD) policies provide income protection for people unable to work due to certain disabilities. But how do you receive disability benefits?

Every short-term disability claim is subject to a short term elimination period that can typically last for one to two weeks. During this time, the policy holder does not receive benefits.

After the elimination period, the policy holder receives benefits for a consecutive period of disability that usually last for no more than 26 weeks. The benefits can vary by policy and occupation, but they generally range between 50-70% of pre-disability income.

Short term policies may not cover income loss that happens due to on-the-job injuries. On-the-job injuries are the province of workers’ compensation insurance.

Long-Term Disability Insurance

Long-term disability (LTD) policies provide protection for workers who are disabled for longer periods of time. These too have intervals, usually much longer when compared to STDs, during which there are no benefits paid. The elimination period in this case can range between one month and half a year, but sometimes it can also go up to a year to even two.

LTD policies also have an accumulation period that stretches twice the length of the elimination period. During the accumulation period, the policy holder must accrue sufficient cumulative disability time to exceed the elimination period. It is not necessary that the policy holder is continuously disabled during the accumulation period, provided the elimination threshold is met.

When the elimination period is met, the benefits are payable either until the policy holder is no longer considered disabled or for the duration of the policy. Some policies last for a set term ranging from two to ten years. Although, many of them remain in force until the policy holder reaches the age of sixty five.

Some LTD policies can even continue after the age of sixty five, provided that the policy holder keeps working. Income replacement usually goes to 70% of pre-disability income and it may be customizable.

What Are the Benefits of Disability Insurance?

A Price for Every Life

The benefits that are paid by a disability policy aren’t intended to cover your entire life’s expenses.They’re meant to cover the expenses you would have while your disability forces you to work. A disability insurance policy takes care of your beneficiaries after you’ve passed as well.

If your disability isn’t fatal and you’re forced to miss work, your dependents will still need food. A disability insurance policy pays your benefit when you’re disabled, covering you right when you need to be covered.

Focus on Recovery

Recovering from your disability can be stressful and difficult. This stress you feel makes your recovery time more agonizing than it needs to be, and in some cases, it could even make things much worse. A disability policy removes some part of this stress. You can focus on your recovery without worry.

One Policy, Many Jobs

Disability insurance policies aren’t only for your current job. Even if you transfer from one job to another, your policy will remain as stable and reliable as it was when you got it. If you’re switching job titles and working a lot of temporary jobs, you don’t have to worry about losing your insurance.

You don’t even have to pay higher premiums.This aspect of disability insurance policies is great for entrepreneurs who start new ventures very often. A different job does not have to mean a different insurance policy!

Tax-Free Benefits

You don’t need to worry about separating a share of your disability benefits for tax purposes. When you receive benefits from your disability insurance, you can bet you’re getting them in full.

Usually, benefits from disability insurance, are completely tax-exempt as long as you’ve paid your premiums. This way you can use every penny available.

You Don’t Need to Worry About Rehabilitation

If you miss work because of your disability, you need to cover more than your regular cost of living. Most disabilities require immediate medical attention, which in turn means a lot of hospital visits, expensive medicine, home care and many other types of expenses.

Insurance can help you pay for your rehabilitation.This saves you from other recurring expenses. No person should go into debt just because they’re disabled and a disability insurance policy makes sure you don’t.

Apart from the many benefits disability insurance provides, the greatest benefit it provides is peace of mind. With disability insurance, you can know that you and your loved ones won’t have to go without resources when you’re disabled.

The difference between knowing how to get disability benefits and not can be life-changing for some people.

If you have been denied benefits under a disability insurance policy, Kahn & Associates can help.   We will work tirelessly to make sure you get the insurance benefits you paid for and we do not get paid unless you win.

To learn more about your rights under ERISA and your disability policy, call our FREE Disability Hotline at 1-866-469-7734 to speak with one of our friendly disability rights advocates or

Fill out our FREE Disability Case Assessment form and one of our representatives will contact you immediately


Dan Scharville helped me out with a problem I was having with my Ford F-150 he was very informative and explained everything... clearly, everyone I spoke with was knowledgeable and friendly thank you for everythingread more
Dave Wilson
Dave Wilson
16:39 27 Mar 20
from the beginning to the end Kahn & Associates we're great. Our attorney Bo Jeffries kept me informed thru the whole... process. He was very professional and patience with me calling him all the time. I would highly recommend them.read more
Susan Williamson
Susan Williamson
18:24 13 Mar 20
We had a great experience with Kahn & Associates. Bo Jefferies was very helpful and kept us informed as the process went... along. He answered any questions we had. He really stayed on top of what was going on. Would highly recommend Bo and his staff.read more
Gary Meyer
Gary Meyer
18:09 08 Mar 20
Bo Jeffries was quick and efficient in getting my claim started and seeing it to the end. I highly recommend Bo Jeffries... and the Khan and associates law firm. They can get it done for you too.read more
Chris Walker
Chris Walker
19:35 27 Feb 20
Bo Jeffries with Kahn and Associates was outstanding! Professional, Honest, Extremely Responsive to calls, texts, and... voicemails. Bo did everything he said he’d do for my mother’s case. I highly recommend Kahn and Associates! Thank You to all for your hard work!read more
Phillip Yanak
Phillip Yanak
00:41 26 Feb 20
We had an amazing experience working with this firm regarding our 2013 Chevy Equinox. Jordan kept us totally informed and... up to date while our attorney Dan Scharville worked with GM to get us a settlement. We would recommend this firm to anyone who has or is having auto issues.read more
Chuck Nell
Chuck Nell
15:26 19 Feb 20
I highly recommend them! They all were so nice and took care of my problem in a timely manner.
tina becherer
tina becherer
21:45 08 Feb 20
Bo and Jordan were amazing. I recommend Kahn & Associates to anyone who needs help. Amazing people to work with.
Lisa Forgach
Lisa Forgach
18:55 08 Feb 20
Kahn&Associates,LLC were great with my case and helped me out tremendously.
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Angela Elswick
20:49 06 Feb 20
Kahn and Associates staff was very friendly and helpful. They made the process painless. I would highly recommend them to my... friends and family.read more
Patti Cooper
Patti Cooper
15:54 06 Feb 20
Kahn & Associates was stellar. They were able to settle my lemon law case effectively, and made smooth and easy what could... have been a difficult and painful process.I worked with Jordan Wolf and Bo Jeffries during my case and they went above and beyond. They kept in touch and were always able to answer my questions quickly.I would definitely recommend this firm to anyone that is in need of a lemon law attorney.read more
jjbyrd04
jjbyrd04
20:58 05 Feb 20
General Motors has let technology surpass quality, as I discovered after purchasing a 2015 Chevy Silverado LTZ. I had... problems with transmission and heating and cooling. I took it to several dealerships and it was the same story, "it's the nature of the vehicle" or "could not duplicate" or they wouldn't even look at it. I had one law office from Detroit contact me and I sent them all the receipts and documentation that I took the truck in because I had a complaint. After several months of waiting to see what they was going to do for me I got a letter from them saying 'they just dropped my case'. Then I got a letter from Kahn and Associates, at first I was very skeptical, but I sent them the same documentation that I sent the other firm and it wasn't long after that I got positive results. GM made an offer and we settled. It was a substantial amount, therefore in my opinion GM knew there product was substandard, and admitted the same by making a settlement. I would recommend, Kahn and Associates, to anybody that has a GM product and the documentation of proof to get satisfaction for buying a lemon. The truck only has 50K miles on it and the defrost system still leaves coolant on the inside of the windshield. I'm on my way to the bank now and when the weather get's a little better I'll have the heat system replaced thanks to Kahn and Associates.read more
David Bradley
David Bradley
20:14 05 Feb 20
Khan & Associates, LLC took on my case against GM and were very transparent in all the communications I had with them. The... entire process was seamless.read more
Benjamin Chukwumah
Benjamin Chukwumah
20:14 27 Jan 20
Gave us great advice over the phone about our car, and were able to reach a good settlement.
Michael Felton
Michael Felton
20:26 23 Jan 20
Courteous, upfront, honest, and always available! Couldn’t really ask for more. Highly recommended.
Jaleesa Lee
Jaleesa Lee
14:52 23 Jan 20
Kahn and Associates helped me with my lemon. I received my check and no longer have to worry about that car anymore. This... firm kept me in the loop and explained everything to me. If it wasn’t for Kahn and Associates I would be stuck with a lemon. Thank you all for you did for me!!read more
Cathy Reyes
Cathy Reyes
21:33 17 Jan 20
Like any legal issue I was extremely worried about even making the call. I'm glad I did, Bo took carry of everything.... Communication was amazing they went above and beyond. I was never confused about the next steps. They were 100% what they had advertised. If you feel like these guys might be able to help I urge you to call.read more
James Hufford
James Hufford
18:54 13 Jan 20
Very helpful! Returned calls after hours. I would absolutely recommend them! Very dedicated team.
Desha Jones
Desha Jones
13:22 09 Jan 20
Super friendly down to earth and knowledgeable . Bo responds to emails and calls immediately ..thus far I highly recommend
Just Me
Just Me
17:29 05 Jan 20
I had an issue with my vehicle being inoperational during a factory recall. This law firm sent me a letter that discussed... the widespread complaints of owners of the same make and model car that I owned which surprisingly I had been experiencing some of these very issues. I called and spoke to the law firm and they told me about lemon law consumer rights. They filed a suit and negotiated a settlement. The money I received was enough to cover the gap in the amount I got for my vehicle versus what I still owed after trading the car in. I would have never thought of suing myself. Dan Scharville was knowledgeable and persistent in fighting for me. Thanks!!read more
Kristen Campbell
Kristen Campbell
14:40 02 Jan 20
Amazing experience with them! Extremely pleased with everything. Jordan is extremely helpful and replies within one business... day! Highly recommend them! Thanks so much for all your hard work!read more
Kayla Mowery
Kayla Mowery
23:56 19 Dec 19
Easy, no hassle, & ethical. They made the process very easy and communicated throughout the process. They were able to... recovery my out of pocket costs as well as additional funds. I highly recommend engaging them if you have or suspect your vehicle may be a Lemon.read more
Christopher Green
Christopher Green
18:18 19 Dec 19
Bo Jeffries with Kahn and Associates is awesome! I originally went to a big law firm in Columbus for my settlement case... and they completely dropped the ball and wasted 6 months of my time.My wife found Kahn and Associates online. They were very responsive from the start. Bo Jeffries was assigned to my case. He was point blank with no run around. Within 6 months my case was resolved.Thank you Bo and Kahn and Associates for all your help! I would definitely use this fantastic law firm again.read more
J Rock
J Rock
06:01 17 Dec 19
Bo is the BEST! Great listener, great communicator. Answers all your questions, promptly returns calls and proven to give ... great results. Highly recommend BO! Thank you Bo you changed our lives!read more
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Greg Brown
02:44 13 Dec 19
Highly recommend Kahn & Associates. I was disappointed that the auto manufacturer would not stand behind the issues I was... having with my vehicle. Kahn & Associates made to process very simple from my perspective to filing a claim under the Ohio lemon law. I was very happen with the settlement that I received and with the time frame to receive it.read more
Mike Hassinger
Mike Hassinger
23:44 29 Nov 19
I would highly recommend Kahn & Associates to anyone seeking legal representation for lemon cars. They provide service that... is fair, honest and will keep your best interest. I would not hesitate to seek representation from Then again.read more
Ashley Hammons
Ashley Hammons
20:21 26 Nov 19
I thought I'd chosen wisely and relied on past experience to guide me in my selection. You see, my truck is the life of my... business and having a dependable vehicle is key to successfully servicing my customers. That's why I was devastated when the dealer told me it needed a new engine. It wasn't a year old and it had already been in the shop more than a month. Delays and service appointments were biting into my schedule and I couldn't keep hoping "the next time", they'll figure it out. That's when I called Kahn & Associates. Their knowledgeable staff guided me through each step and before you knew it, the Manufacturer had agreed to a cash settlement or to take the vehicle back and give me a refund. Don't get pushed around. Know your rights. You shouldn't have to feel stressed over problems with a new vehicle. Kahn & Associates fought for me and they'll fight for you too... I highly recommend them....read more
bee vguy
bee vguy
21:19 05 Nov 19
Both the lawyers and the paralegal, Ms. Victoria Eck, did a fine job of helping me through the process to a successful... conclusion. Many thanks to Kahn and Associates.read more
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Mark Hennis
19:45 19 Oct 19
I had a great experience with this firm. They are extremely knowledgeable and very prompt with all their action. I was... treated first-class throughout the entire process and would highly suggest using them!read more
Ryan Fitch
Ryan Fitch
12:59 04 Oct 19
Long story short. I brought a 2018 Lemon from Spitzer on West 130th. Kahn & Associates provided me exceptional legal advice... and assistance resulting in a compensation package. Kahn & Associates are fair, honest and they work for the client not the large corporations. Highly Recommend.read more
Quadra Brown
Quadra Brown
20:21 03 Oct 19
Just started working with them and so far the service is excellent!
Anthony in 2nd grade
Anthony in 2nd grade
15:08 23 Sep 19
these folks did a GREAT JOB settling my ISSUES W/ GM SHORT QUICK to the POINT THANKS KAHN & ASSOCIATES!!!!
charles chanay
charles chanay
13:56 20 Sep 19
What a professional firm they came through with everything they said. I finally was able to get compensated for the2016... lemon Ford. I just got rid of it very happy they came through would recommend them to anybody.Im driving a new G.M.C.now a big thanks to Kahn & Associates.read more
Art Hill
Art Hill
19:34 09 Sep 19
Kahn & Associates, LLC is definitely a 5 star company. I very highly recommend Bo Jeffries and staff to help you with your... lemon. They helped get me a fair compensation to fix all of the issues I have with my 2014 Equinox.read more
Tammy Lampe
Tammy Lampe
18:32 31 Aug 19
Was a pleasure to work with and very helpful got a great settlement on my Chrysler 200 thank you very much
David Agsten
David Agsten
16:21 15 Aug 19
Excellent customer service. Swift! I would recommend and use them again. 😊
VaNilla P
VaNilla P
04:34 07 Aug 19
Excellent Service and very helpful when I had questions.
Amy Long
Amy Long
12:08 23 Jul 19
Very great experience, very seamless and Bo made sure to stay in communication throughout the entire process.
Treasure Brown
Treasure Brown
14:00 22 Jul 19
Outstanding service. Made my settlement very easy and rewarding!
Dean Layman
Dean Layman
18:19 30 Jun 19
I just called this office today because no other firm would call me back and the lady I talked to said they are sending me... paperwork to get my SSI case going so to me thats just great and they have a 5 star rate so glad I found you online.read more
John Whitmore
John Whitmore
00:00 29 Jun 19
From my very first phone contact till my last conversation I had with this firm, I was totally impressed with their... friendly and professional service. Bo Jeffries kept me informed through the entire process and made my experience a good one. I truly would recommend them to my friends and family.read more
Vivian Widmer
Vivian Widmer
23:05 24 Jun 19
I was referred to Kahn & Associates when we were having significant issues with a FCA product. Bo Jeffries, Esq., and his... entire staff worked very hard to make a reasonable settlement agreement and avoid unnecessary litigation. The process took several months (as is common). We did reach an agreement that was reasonable and DID avoid litigation. I HIGHLY recommend this Law firm. They are also very nice people and communicate the ongoing process at every step to avoid any surprises. They get an A+++Thanks again to Bo and staff!!read more
Peter S
Peter S
17:39 12 Jun 19
Thanks for your professional services in helping us to collect on our Ford Fusion engine issues. We would have been at a... lost not knowing what to do but received a letter from you because of so many recalls on other parts. We kept the letter for that reason but within a month started having issues with the engine . It did take about 5 1/2 mths to collect so my advice to anyone is to be patient and call them with any questions. They were very helpful.read more
Alisa Findley
Alisa Findley
12:42 10 Jun 19
Very well informed about their knowledge in Laws and guidance on your direction or actions to take.I felt very confident in... my choice of choosing this Law firm. My attorney absolutely made me feel like I was in great hands and I have all my faith into this Firm! I'd give them 10 stars if I could!!read more
Dawn Marie Buffalohead
Dawn Marie Buffalohead
15:00 24 May 19
Great experience, fast communication. Would recommend!
sarah krussell
sarah krussell
12:49 24 May 19
I want to thank Bo and the team for the great job they did for me. I am so happy I gave your office a call! I would... definitely recommend them to anyone who needs help if you have a lemon. Thanks again!!read more
Tracy Jackowski
Tracy Jackowski
17:14 22 May 19
Very easy to deal with! They certainly know their business!
Chris Cowell
Chris Cowell
13:24 19 May 19
Very pleased with the results in the settlement on our Jeep Cherokee.thanks again.
Henry Koch
Henry Koch
22:27 18 May 19
The legal services of Kahn & Associates aided immeasurably in the successful preparation and completion of my Lemon Law... claim.read more
Nathan Henkel
Nathan Henkel
12:40 28 Apr 19
Very nice and knowledgeable group of people. They made the whole experience easy. Thank alot.
tammy waddle
tammy waddle
14:35 24 Mar 19
This firm took my case when many others said I had no case. I got a very appropriate settlement for my case. In a very quick... and timely manner. Their staff all the way from paralegals to the attorneys assigned to my case were exemplary in their efforts in representing me I would highly recommend this companyread more
Bill W
Bill W
21:13 18 Mar 19
This company was a dream come true. I was going through so much with my new car and the dealership. When I had my first... conversation with a employee at Kahn Associates they told me to not worry they will get to the bottom of the problem. Every step of the way someone reached out to me and kept me updated on the progress of my case. I will use this company again staff was very nice and listen to my concerns. I will always refer Kahn & Associates to others in need.read more
anna young
anna young
19:21 06 Mar 19
Thank you guys so much for helping us out with our vehicle. We got way more then expected and very satisfied. I will... recomend you to everyone. Thanks again so much.read more
Kristie Farris
Kristie Farris
21:38 04 Feb 19
we didn't think we had a chance and you folks gave us a pocket full of money thank you so much
Joseph Kirkman
Joseph Kirkman
11:26 04 Feb 19
Kahn & Associates was refreshingly easy to work with. I came to them with my lemon and the lawyer, Bo Jeffries, did... everything for me! The manufacturer was aware of my problem within days, and after that we quickly made progress. Thank you for making a terrible experience soooo much easier!!! I am now in a new vehicle thanks to them.read more
Jenna Pedersen
Jenna Pedersen
12:22 25 Jan 19
Kahn & Associates,Dean & I would like to thank you and your team from the bottom of our hearts. We are very satisfied with... all of the great work & effort your team has put forth so that we can have some peace of mind. We’ve received the check and we will be taking the car into the shop for some repairs. We will take it step-by-step to get to the root of the car problems. Your cooperation in this matter was greatly appreciated. We give you and your team five stars, we would highly recommend you & your team’s services to anyone with car problems such as ours. We wish you and your team all the best in the coming years and through out the future. Best wishes. Sincerely, Dean and Maryread more
M Lopez
M Lopez
18:41 22 Jan 19
I would recommend this Law Office to everyone, they worked very quick to get my case going. The attorney stayed in touch... with me and was very up front with everything and included me in every decision made. I appreciate your hard work.read more
Mildred Brown
Mildred Brown
00:18 15 Jan 19
I am totally satisfied with Kahn&Associates they were very helpful in setteling my lawsuite against Ford company concerning... my automobile.read more
conrad warren
conrad warren
19:00 15 Dec 18
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