South Carolina Disability Insurance Information
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. South
Carolina Disability Insurance will provide you with an income should you become sick or disabled.
Even with benefits such as South Carolina 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.
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).
South Carolina Disability Insurance Coverage Features
South Carolina 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.
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.
You can choose the length of the waiting period on your South Carolina 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.
Review the types of disability and supplemental insurance we offer residents of South Carolina by
clicking on a link below.
We are a Columbia, SC insurance agency offering affordable South Carolina disability
insurance policy coverage in the following towns, cities and counties in South Carolina:
Chapin, Arthurtown, Saluda Terrace, Sandwood, Arcadia Lakes, Cayce, Olympia, Forest
Acres, Dentsville, Eau Claire, West Columbia, Springdale, Denny Terrace, Belmont, St.
Andrews, Irmo, Oak Grove, Lexington, Galaxy, Bluff Estates, Hazelwood Acres, State
Park, Haskell Heights, Lincolnshire, Ballentine, Killian, Red Bank, South Congaree,
Edmund, Gilbert, Summit, Gaston, Hopkins, Capitol View, Horrel Hill, Fort Jackson,
Pontiac, Elgin, Blythewood, Camden, Richtex, Whitehall, White Rock, Sumter, Lugoff,
Boykin, Rembert, Hagood, Horatio, Stateburg, Borden, Wedgefield, Oswego, Gadsden,
Fort Motte, St. Matthews, Swansea, Woodford, Winnsboro, Pelion, Steedman, Samaria,
Monetta, Batesburg-Leesville, Stoney Hill, Prosperity, Newberry, Peak, Little Mountain,
Slighs, Pomaria, Jenkinsville, Rion, Winnsboro Mills, Simpson, Smallwood, Ridgeway,
Orangeburg, Lexington County, Fairfield County, Calhoun County, Sumter County,
Kershaw County, Saluda County, and Richland County, SC. We can also offer reliable
South Carolina disability insurance coverage premiums throughout the Palmetto state,
including in Florence, Greenville, Spartanburg, Myrtle Beach, and Charleston, SC.
South Carolina 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
South Carolina Workers Compensation insurance does not apply.
You would begin receiving money from your South Carolina 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.
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.
Benefit periods of up to 2 years!
Short waiting periods 1 to 14 days!
Click on the link below to fill out a secure quote request form for a South Carolina Short Term
Disability Insurance policy that will provide excellent insurance coverage at an affordable cost.
Or you can speak with our South Carolina Disability Insurance agent specialist toll free at
(800) 849-7475 to discuss the insurance features in more detail.
South Carolina 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
South Carolina Workers Compensation insurance does not apply.
You can begin receiving money from your South Carolina 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.
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.
Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
Click on the link below to fill out a secure quote request form for a South
Carolina Long Term Disability Insurance policy that will provide excellent
insurance coverage at an affordable cost. Or you can speak with our South
Carolina Disability Insurance agent specialist toll free at (800) 849-7475 to
discuss the insurance policy features in more detail.
Benefit periods of 2 & 5 years!
Short waiting periods 7, 14, 30, and 90 days!
Guaranteed renewable to age 65
24 hour coverage - on or off the job!
$2,500 Accidental Death Benefit included!
No restrictions on how the money is used!
No benefit reduction at age 65!
**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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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.
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
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.
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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South Carolina
Personal Insurance
Disability Insurance
Russell-Massey & Company, Inc.
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Russell-Massey
& Company, Inc.
General Insurance
South Carolina Disability Insurance Solutions!
800-849-7475 toll free
803-779-7854
Serving South Carolina Since 1955
Russell-Massey & Co.
1320 Elmwood Avenue
Columbia, SC 29201
Richland County, SC
Toll Free: (800) 849-7475
Office: (803) 779-7854
Fax: (803) 799-6546
Russell-Massey & Co.
409 Lexington Avenue
Chapin, SC 29036
Lexington County, SC
Office: (803) 941-3650
Fax: (803) 941-3654
Richland County & Lexington County, SC