Disability Insurance: What It Is and Why It Matters
Unexpected illnesses and injuries can happen to anyone—and when they do, your ability to earn an income may be at risk. Disability insurance helps replace a portion of your income if you’re unable to work due to a covered condition, so you can focus on recovery without worrying about your finances.
Disability insurance provides income protection when you’re unable to work due to a short-term or long-term disability. Whether it’s a temporary injury or a chronic illness, this coverage ensures you have financial support when you need it most.Why Disability Insurance Is Essential
Your ability to earn an income is one of your most valuable assets. Without it, covering basic living expenses like rent, groceries, medical bills, and child care can become overwhelming. Disability insurance gives you peace of mind knowing that your financial obligations are covered—even when life takes an unexpected turn.
What Does Disability Insurance Cover?
Depending on your policy, coverage may include: A percentage of your lost income (typically 50–70%), Illnesses such as cancer, heart disease, or mental health conditions, Injuries from accidents or surgeries and Pregnancy and childbirth recovery (short-term policies).
You insure your car and your home—why not your paycheck? With disability insurance, you can stay on track financially even when life doesn’t go as planned.
Let’s find the right plan for you.
Contact us today to speak with a licensed agent and get a free disability insurance quote tailored to your needs and budget.
Who Should Consider Disability Insurance?
- Employees without employer-sponsored plans
- Self-employed individuals and small business owners
- Primary income earners in a household
- People with physically demanding jobs
- Anyone wanting financial protection against loss of income
Key Benefits of Our Disability Insurance Plans
- Affordable monthly premiums
- Customizable coverage lengths and benefit amounts
- Fast and easy claims process
- Optional riders for extra protection, such as cost-of-living adjustments