Disability insurance pays a part of your income if you can’t work for an extended period because of an illness or injury.
Collect Benefits Tax-Free if you Become Disabled
If you depend upon a paycheck, protect your livelihood in the event you cannot work for months or years because of an injury or illness.
We offer discount rates for disability insurance for the self-employed and for people without enough employer-sponsored coverage.
How Long Can You Survive Without a Paycheck?
With disability insurance you collect benefits tax-free if you become disabled.
Not being able to work may seem a remote possibility if you’re young, healthy and sit at a desk. But, according to the Social Security Administration more than 1 in 4 people will experience a disability for 90 days or more before they reach age 67.
Get Paid if You’re Unable to Work Due to Injury or Illness.
Back injuries, cancer, heart attacks, diabetes and other illnesses lead to most disability claims.
There is a waiting period before benefits are paid and can be as short as two weeks, but a more common waiting period is 90 days after disability before benefits are paid.
Short-Term vs Long-Term Disability Insurance.
Short-term – replaces 60% to 70% of your base salary and pays out for a for a few months up to one year.
Long-term – replaces 40% to 60% of your base salary and your benefits end when your disability ends. If the disability continues, benefits end after a certain number of years or at retirement age.
Get a Head Start on disability insurance
Don’t suffer hardship through loss of income due to injury or illness, let us help you choose the best protection.
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When it does, it’s nice to know we’ve got you covered.
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