Short-term Individual DI for a Correctional Officer

[Notquiteright]

Hey guys, I know that there are some threads that are similar to this already posted, but I didn't want to hi-jack one with the specifics of this case. I have a 29 year old, healthy, correctional officer looking for a short-term DI policy. Gross income is about $60k, so looking for a monthly benefit of $2500 or so. Any ideas, or is this type of policy just not out there? Thanks.

 

[YouGotMyMoney]

If you sold him an accidental death policy I wonder if it would cover him if he got "shanked"?

 

[mmike160]

Check out Assurity..

 

[Notquiteright]

I know that Assurity will accept him as a long-term client, but I don't know if they have anything available for a more short-term need. Also, they told that government employees in CA are limited to a maximum benefit of $1000/month. I haven't looked at disability policies in a long time, but that was a new one on me.

 

[Full Throttle]

I know that Assurity will accept him as a long-term client, but I don't know if they have anything available for a more short-term need. Also, they told that government employees in CA are limited to a maximum benefit of $1000/month. I haven't looked at disability policies in a long time, but that was a new one on me.

Short term meaning: short waiting period or a short holding period for the policy?

 

[LGilmore]

Probably not for the profession.

 

[Notquiteright]

Sorry, I should have been a little more clear. Short term meaning coverage for a disability period of, say, 6 weeks as opposed to 2 years. Client is more worried about something like a knee surgery that'll keep him out for a couple of months than a really long, protracted thing where'll he need benefits paid out for a few years.

 

[arnguy]

If he gets shanked he needn't worry about DI!

 

[Norwayguy]

I wish you the best of luck searching for this product...Its rare to find a STD policy that is not group or a voluntary offering...I am aware that Mutual of Omaha offers a STD policy that is stand alone, not sure about your Corrections officer...You might want to check into any possible association offerings.

 

[Notquiteright]

Hey, Norwayguy, thank you so much for the MoO suggestion! I got the chance to run the client by their underwriting today and, pending a little more info from the client, it looks like we found a fit. Really appreciate the tip, because I was totally stumped.