The Alliance Group of Western New York, Inc. Wants Local Residents to Consider New York State Disability Insurance During Open Enrollment

(PRWEB) November 13, 2011

The team at the Alliance Group of Western New York knows that not many people consider their employee benefits on a regular basis. However, things like health coverage and NY State disability insurance should not be taken for granted. As open enrollment for company benefits is approaching for many New York workers, the Alliance Group of Western New York urges them to consider all of their options.

When it comes to NY State disability insurance, many employees opt out of coverage because they do not want to contribute to the costs that their employers do not cover. However, here are some things that workers should think about before making a final decision:

Employees who sustain injuries outside of work will not be eligible for workers? compensation benefits, so they would not be compensated for lost wages over any extended period of time.
Even people who work at companies that cover the cost of some disability insurance may require extra coverage, especially if they have children or dependents.
Workers can enroll in group disability coverage at any time, but those who wait until after open-enrollment periods may find that they are denied coverage later if they develop certain medical conditions.
Group policies can cover employees for up to two years if they cannot return to their job. These funds can be invaluable for New York residents who would otherwise be left without any income during this time.

The experts at the Alliance Group of Western NY understand that some companies may boast great group plans for health and dental coverage, but it?s also important for workers to consider their other options such as NY State disability insurance. While having this type of coverage may not appear to be an immediate necessity, it will certainly be worth the price if an individual were ever to face a situation in which they were disabled for a period of time.

About The Alliance Group of Western NY:

Founded in 1993, The Alliance Group of Western NY is an independent New York insurance agency. As such, the agency is fully equipped to represent the distinct needs and interests of each client they serve ? not the interests of any one insurance company. As a result, The Alliance Group of Western NY is able to offer prospects customization, choice and a level of consultation not found with a direct writer or online insurance provider. The agency?s experienced agents will research each client?s options and craft a personalized, competitively-priced New York state insurance protection program exclusive to their coverage requirements.

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Individuals Save on Disability Insurance Using the ?Power of Three?

Rockville, MD (PRWEB) December 20, 2011

MR Insurance Consultants, a financial services firm specializing in personal disability insurance launched a new article today, titled ?Save on Disability Insurance with The Power of Three?. The new article provides interested consumers with a brief outline of the possible discount programs available when purchasing an individual disability insurance policy.

The article references some of the more popular discount programs which can be accessed through professional associations, colleges, universities, graduate medical/dental education programs and other similar groups. However, the article also touches on one of the more select discount programs which fewer individuals know about.

Referred to as the ?Power of Three?, MR Insurance Consultants addresses the opportunity of available discounts for any group of three or more professionals working for a shared employer. Convenient for both a large corporation and also small business setting, the ?Power of Three? offers the most simplified discount and in some cases even the largest discount value available today.

?The ?Power of Three? is one of the most favorable opportunities offered today for individuals to save on the cost of disability insurance?, says Michael Relvas, owner of MR Insurance Consultants. ?I discuss this program with every client in need of disability insurance, whether it?s a salaried employee, medical practice or small business owner.?

Michael Relvas is the owner of MR Insurance Consultants and works with professionals nationwide regarding their personal disability insurance. Michael is involved with personal client development as well as developing new resources for interested consumers, such as the ?Physician Disability Insurance Buyer's Guide?.

Michael Relvas is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), 1355 Piccard Drive, Suite 380, Rockville MD 20850. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 240-683-9700.

Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. MR Insurance Consultants is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA, SIPC.

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New ProVider Plus Disability Insurance Series released from Guardian, Berkshire

Rockville, MD (PRWEB) January 17, 2012

Good news for Physicians and Dentists looking for individual disability insurance..

DIQuotes.com, a website dedicated to providing physicians and dentists nationwide with disability insurance quotes and information, is pleased to announce the release of a new disability insurance product by Guardian and Berkshire.

Effective January 3rd, The new ProVider Plus series will offer members of the medical & dental community a variety of choices and brand new features. Among the most significant are -

The Choice of True Own-Occupation or Modified Own-Occupation definition of disability.

Benefit Purchase Rider - a no cost option to increase coverage in the future

The Lump Sum Disability Benefit Rider - a state-of-the-art, patent pending option that provides a lump sum benefit at policy expiration.

Increased benefit limits for their retirement protection plus program.

The new product is currently approved in 39 states nationwide with additional state approvals expected throughout the first quarter and remainder of 2012.

Guardian/Berkshire is one of the leading providers of individual disability insurance to physicians and dentists.

?The flexibility and choice offered with the new Guardian series reflects a continued trend in recent years of improved options available to physicians within the disability insurance marketplace,? says Thomas Lloyd, a partner of DIQuotes.com.

Many more insurance carriers now offer own occupation coverage to dentists and physicians than in years past - allowing for more options and better prices in many cases. 10 years ago - there were less than 3 carriers offering this level of protection to members of both business communities.

Thomas Lloyd added a note of caution though.

?This market is extremely volatile so changes may occur very quickly. I recommend to anyone who may have hesitated in the past about obtaining this form of coverage to get it now before these options possibly disappear.?

Speak to your disability insurance specialist or financial planner about whether or not this form of coverage meets your specific needs.

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