Disability Insurance
Long-term disabilities are much more common than you may think.
Nearly one out of five Americans will be disabled for a year or more during their working lives, and for many, relying upon their employer's group disability coverage may not be enough. By replacing a portion of your lost income, disability insurance can help you maintain your standard of living and provide financial security for your family until you can get back on your feet and back to work.
If you're sick or injured, disability insurance can provide financial assistance for your:
- Mortgage
- Tuition
- Car payments
- Food and clothing expenses
- Utilities
Disability Insurance Options
Please consult with one of our knowledgeable insurance specialists to ensure you choose the right coverage for you and your business. We offer these types of insurance:
- Employer Sponsored Disability Income Insurance. The second largest form of disability insurance available. This type of disability insurance may not be as comprehensive as individual disability insurance, but can serve as a sound base for coverage.
- Individual disability. Insures your earned income against the risk that a disability will make working uncomfortable, painful or impossible for you. Policies can have a specific definition of “Own Occupation”, which will pay a benefit if you are unable to perform the duties of your specific profession.
- High-limit disability. Designed to keep individual disability benefits at 65% of your income regardless of income level.