Disability Insurance

Disability Insurance provides income protection in case you are unable to work due to illness or injury. It ensures you can continue to meet financial obligations even when you're temporarily or permanently unable to earn an income.

What is Disability Insurance?

Disability Insurance offers financial support to replace a portion of your income when a disability prevents you from working. Coverage includes:

• Income Replacement: Provides a portion of your regular income if you’re unable to work.
• Partial and Total Disability Coverage: Covers both partial and total disabilities depending on the policy.
• Rehabilitation Benefits: Supports return-to-work programs and rehabilitation efforts.

Benefits of Disability Insurance

Disability Insurance offers essential protection for individuals and families. Key benefits include:

• Financial Security: Ensures you have income even when you cannot work due to a disability.
• Family Protection: Helps cover household expenses, reducing financial stress on loved ones.
• Peace of Mind: Provides reassurance that you are protected against loss of income due to unforeseen health issues.

Coverage Provided

Disability Insurance typically includes coverage for:

• Short-Term Disability (STD): Provides benefits for temporary disabilities, typically for 3-6 months.
• Long-Term Disability (LTD): Covers longer periods, often beginning after STD benefits end and lasting for several years or until retirement age.
• Own-Occupation Coverage: Pays benefits if you're unable to perform your specific job.
• Any-Occupation Coverage: Benefits apply if you cannot perform any job for which you are reasonably qualified.
• Residual or Partial Disability: Provides benefits if you can work part-time but earn less due to a disability.

Types of Disability Insurance Policies

Disability Insurance can be customized based on individual needs. Common types include:

• Short-Term Disability (STD) Insurance: Provides income replacement for a limited period, often up to six months.
• Long-Term Disability (LTD) Insurance: Offers coverage for extended periods, starting after STD benefits are exhausted.
• Individual Disability Insurance: Personal policy that provides coverage independent of employer benefits.
• Employer-Sponsored Disability Insurance: Group policy offered as part of employee benefits, often at reduced rates.
• Supplemental Disability Insurance: Enhances existing coverage to ensure adequate income replacement.

Questions Needed to Get a Quote

Why Choose Us for Disability Insurance?

• Personalized Coverage: We help tailor disability plans to meet your income needs and lifestyle.
• Comprehensive Options: Access short-term, long-term, and supplemental coverage options.
• Expert Guidance: Our agents provide guidance to help you select the best coverage for your situation.