Short and Long term Disability Insurance New MexicoWelcome to Got DI, your trusted source for disability insurance quotes in New Mexico.
When choosing the right disability insurance policy for New Mexico, it is important to first determine what it is that you require. Obviously, the main purpose is to protect your wages, but there are additional benefits that can be included to your package.
Damage to your property is a nuisance, especially when it is really devastating. But getting hurt so severely that you are unable to work is much worse.
Disability Insurance Riders
To help you find the most beneficial disability policy at the perfect cost, Got DI compares the optional riders. Riders are voluntary bonus features you can get to include with your policies that boost benefits in specific scenarios. Listed here are a few of the additional riders we feature:
Accident Hospital Confinement Indemnity Benefits Rider
This rider pays as much as $500 a day for each day you're hospitalized because of a debilitating injury The benefits double for days spent in confinement or in the ICU.
Return of Premium Benefit Rider
Depending on your policy, you can have 50 to 80% of your premiums returned (minus claims) after ten years paying the costs. This is available on long term and short term policies.
Social Insurance Supplement Benefits Rider
Social Insurance Supplement (SIS) Benefits are available only on a long term disability insurance plan for individuals and pays claimants additional monthly benefits when they don't qualify for social insurance, such as Social Security or Worker's Compensation.
Critical Illness Benefits Rider
Certain diseases are more serious, so this rider pays up to $25,000 as a single payment in case you are informed you have one of them.
To help you pick the ideal disability insurance policy, Got DI reviews the additional riders from top rated coverage providers. Riders are voluntary bonuses you may choose to include with your policies that raise benefits in specific scenarios.