Worker with broken leg on disability.

Protect you and your family from the unexpected and safeguard your financial future with an affordable disability plan.

Disability Insurance protects your most valuable asset during your working years, which is your ability to earn a living. Statistics show that our chances are greater of becoming disabled than dying between the ages of 25 & 45, yet many people overlook adding affordable disability insurance to round out their protection portfolio.

During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through the monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle. Workplaces often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance is flexible to meet your needs.  Thus, it depends on occupation, age, income and other factors in determining your cost and monthly benefit payment amount.

Individuals not offered disability through their employer and self-employed individuals who desire disability coverage, can purchase policies.

Those who have disability insurance through their workplace, may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.

Short Term Disability payments begin after a two-week waiting period.  Then, they will continue until he/she recovers or maxes out the benefits.  This is usually anywhere between one month to two years, depending on the policy.

Long Term Disability payments begin after a 90-day waiting period, depending on the policy.  Payments will continue far longer than STD–for a few years, up to age 65, or even for life.

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