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Illinois Disability Insurance
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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. Illinois Disability Insurance will provide you with an income should you become sick or disabled. |
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Even with benefits such as Illinois 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. |
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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). |
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Illinois Disability Insurance Coverage Features
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Illinois 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. |
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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. |
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You can choose the length of the waiting period on your Illinois 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. |
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Review the types of disability and supplemental insurance we offer
residents of Illinois by clicking on a link below. |
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Illinois 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 Illinois Workers Compensation insurance does not apply. |
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You would begin receiving money from your Illinois 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. |
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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. |
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Benefit periods of up to 2 years!
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Short waiting periods 1 to 14 days!
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Click on the link below to fill out a secure quote request form for an Illinois Short Term
Disability Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Illinois Disability Insurance agent specialist toll free at 877-808-2900 to discuss the policy features in more detail. |
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Illinois 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 Illinois Workers Compensation insurance does not apply. |
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You can begin receiving money from your Illinois 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. |
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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. |
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Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
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Click on the link below to fill out a secure quote request form for an Illinois Long
Term Disability Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Illinois Disability Insurance agent specialist toll free at 877-808-2900 to discuss the policy features. |
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Benefit periods of 2 & 5 years!
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Short waiting periods 7, 14, 30, and 90 days!
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Guaranteed renewable to age 65
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24 hour coverage - on or off the job!
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$2,500 Accidental Death Benefit included!
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No restrictions on how the money is used!
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No benefit reduction at age 65!
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**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. |
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Illinois Disability Insurance
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O'NEAL
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Insurance Group
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Insurance Coverages
Insurance Solutions
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Toll Free: 877-808-2900
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Your Chicago Disability Insurance Connection
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O'Neal Insurance Group
1637 E. 87th Street #303
Chicago, Illinois 60617
Cook County, IL
Toll Free: 877-808-2900
Local: (773) 358-7168
Fax: (773) 358-7168
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ILLINOIS
PERSONAL INSURANCE
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Disability Insurance
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We are a Chicago, IL insurance agency offering affordable Illinois disability
insurance policy premiums in the following cities and counties: Oak Lawn, Englewood, Calumet Park, Roseland, Landsing, Dolton, Calumet City, South Holland, Riverdale, Glenwood, Chicago Heights, South Shore, Burnham, Oak Forest, Bedford Park, Hazel Crest, Alsip, Palos Hills, South Chicago Heights, Orland Park, St. Charles, Geneva, Batavia, Lafox, Orland Hills, Elburn, Mooseheart, De Kalb, Virgil, Maple Park, Burlington, Kaneville, Cortland, Sycamore, Hampshire, Big Rock, Hinckley, Wasco, Lily Lake, Valley View, South Elgin, Wayne, Aurora, Naperville, Montgomery, Warrenville, Moecherville, Winfield, Wheaton, Carol Stream, Bartlett, Streamwood, Glen Ellyn, Lisle, Glendale Heights, Hanover Park, Elgin, Ontarioville, Keeneyville, Bloomingdale, Medinah, Roselle, Schaumberg, Hoffman Estates, Carpentersville, Udina, Huntley, Gilberts, West Dundee, Barrington, Cary, Palatine, Lake Zurich, Libertyville, Wauconda, Inverness, Elk Grove Village, Itasca, Addison, Lombard, West Chicago, Villa Park, Elmhurst, Oak Brook, Highland Hills, Downers Grove, Woodridge, Bolingbrook, Darien, Oswego, Yorkville, Sugar Grove, Joliet, Romeoville, Algonquin, Buffalo Grove, Arlington Heights, Roling Meadows, Mount Prospect, Des Plaines, Bensenville, Homer Glen, La Grange, Northbrook, Skokie, Evanston, Cicero, Berwyn, Burbank, East Chicago, Waukegan, Mundelein, Deerfield, North Chicago, Newark, Sheridan, Morris, Ottawa, Sandwich, Serena, Waterman, Rochelle, Marengo, Dupage County, Kendall County, Will County, Lake County, Kane County, and Cook County, IL. We also offer Illinois disability and supplemental health insurance services throughout the prairie state, including in Moline, Rockford, Peoria, Springfield, Bloomington, Decatur, and Champaign. |
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Supplemental cancer insurance can help manage advanced treatment costs by
picking up where traditional health insurance stops. If cancer strikes your family, a cancer insurance policy can provide the added supplemental protection you need. |
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Policy Highlights:
* Initial diagnosis benefit of $3,000
* Hospital-related benefits: hospital confinement, ambulance services, physician
visits, nursing services
* Surgery-related benefits: internal cancer surgery, skin cancer surgery,
anesthesia
* Out-of-hospital benefits: home nursing services, skilled nursing facilities,
hospice care
* Treatment-related benefits: radiation, chemotherapy, blood / plasma transfusion
* Other benefits that cover disease screening tests, prosthetic devices, disability
income and more.
For more detailed information on the plan, please get a quote then review the
policy details |
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While the chances of surviving a critical illness such as cancer, heart attack or
stroke are greater than ever, living with the condition can create severe financial hardships. Standard health insurance plans usually cover medical expenses, but costs such as insurance deductibles, child care, travel to and from treatment facilities, and short-term home health care must often be paid out-of- pocket by the patient. Critical Care supplemental health insurance is designed to assist you in covering additional expenses associated with a critical illness. |
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Critical Care Benefits
A single-payment benefit upon diagnosis of a critical illness
Covers a broad range of conditions most likely to cause major lifestyle changes,
including cancer, heart attack, stroke and many others
A preventive care benefit, up to $50 annually, to cover a variety of medical tests
Free membership in a physician referral service
Renewable to age 75
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