Broker Check

Disability Insurance

MAKE SURE YOU'VE PROTECTED THE LIFE YOU'VE BUILT

What is Disability Insurance?

Disability insurance HELPS replace income if you’re too sick or injured to work.

Disability insurance can supplement long-term disability coverage that you may have through your employer.

What are some Benefits of Disability Insurance?

  • Disability Insurance replaces a percentage of base salary and regular bonus or incentive income.
  • DI can cover portions of retirement contributions and student loan payments.
  • When you pay for this individual coverage with after-tax dollars, any benefit payments you receive are tax free.
  • Your disability policy belongs to you even if you change jobs.

YOU CAN’T WORK. FORTUNATELY, YOUR COVERAGE WILL.

The most common myth about disability income insurance is that coverage is only used for rare, catastrophic accidents. The fact is, most people rely on the insurance to cover part of the income they’ve lost due to disabilities caused by conditions such as heart disease and arthritis. Be informed – protect yourself and your business.

HAVING RESERVATIONS ABOUT PURCHASING A DISABILITY POLICY?

Some Common Disability Insurance Myths Include: 

Cost

Cost

“It’s too expensive.”

Group Disability

Group Disability

“I’ve got coverage through work.”

Age

Age

“It’ll never happen to me; I’m too young and healthy!”

Individual disability income insurance does not coordinate with group long term disability coverage. Claim decisions are rendered independent of each other.  

DISABILITY INSURANCE RESOURCES

Disability Income Calculator

Disability Income Calculator

Disability insurance is often overlooked, but it can play a critical role in your overall financial plan. This calculator may help you better assess the your household's "sources and uses" of money, which is one place to start when considering disability insurance.

Disability and Your Finances

Disability and Your Finances

In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
Can Group, Private Disability Policies Work Together?

Can Group, Private Disability Policies Work Together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.

Have a Disability Insurance Question? Fill out the Form below to have a Disability Insurance Specialist reach out to you.

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