South Carolina Disability Insurance
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 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 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
South Carolina Disability Insurance Policy Information
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
Answer a few questions and
we can provide you with an
insurance quote by phone or
email. Choose a South Carolina
personal or business insurance
coverage from the menu above.
Russell-Massey & Co.
200 A Lexington Hwy
Chapin, SC 29036
Lexington County, SC
Office: (803) 941-3650
Fax: (803) 941-3654
Russell-Massey & Company, Inc.
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