Disability Insurance Can Help Protect the Way You Live

Individual and group disability is available. On an individual basis the policy travels with you from employer to employer from job to job but if it's available through an employer it's only available while your employed with that particular employer.

Individual Disability

Quality products provided through quality A+ rated providers.  If you don't have the assets to self insure in case of health emergency this would be a wise decision.

Short-Term Disability

If your assets are such that you can't live without a weekly paycheck this is an important piece of your plan.

Supplemental Disability

Realizing the federal government/Social Security won’t kick in for a year or two (they are slow) you can buy a policy that pays you a maximum of 66% of your income and receive that total amount up until the point that Social Security approves your claim then you’ll receive SS payment and supplement the difference by the insurance company.

Group Disability

A way for an employer to make available to employees the ability to insure their income on a group, less expensive basis.

Long-Term Disability

Protect your income if you cannot live without it even till age 65 (if your industry, job description allows it) is a popular part of a responsible person's plan.