Disability Insurance

Help protect a portion of your paycheck from unexpected illness and injury.

Disability insurance, also known as DI, provides income to you when the insured is unable to work because of covered sickness or injury. This would include individual DI, high-limit DI, key person, and business overhead expense DI, among others options.

Disability insurance provides partial income based on your annual salary to cover expenses and maintain your quality of life in the event you get too sick or injured to work.  Becoming unable to work happens more frequently than most people think.  There are more disabilities caused by illness than injury, including common conditions like heart disease and arthritis, and most disabilities are not covered by Workman’s Compensation.

Some employers offer short or long-term disability benefits to employees, which can provide some protection, but this does not mean employees cannot take out additional coverage to bridge that gap.

Disability Insurance is also a crucial tool for small business owners that don’t have built-in coverage based on their employer insurance plan for short of long-term disability.  This is an important part of protecting your family’s financial stability. 

Leading Causes of Disability

  • Maternity
  • Muscular Injury
  • Digestive Disorders
  • Back Injuries
  • Skeletal Injury
  • Cancer
  • Required Surgery
  • Loss of Sight
  • Circulatory
  • Mental Health

Whether you have short term, long term, supplemental, or individual disability insurance, all plans help protect your finances at a time when you may be in financial risk.

Get a Quote and Learn Your Options Today

Protect Your Family

In addition to protecting your personal income, disability insurance for small business owners can help safeguard the key areas your absence would impact, including:

  • Coverage for business expenses
  • Safeguard your ability to pay business loans
  • Protect your firm if your business partner becomes too sick or injured to work

One in 5 working Americans has experienced at least one disability leave of absence during the past 10 years due to a condition, injury, or illness.

The truth is that people of all ages, demographics, and professions have roughly the same potential to experience an income-disrupting injury or illness.

Don’t get caught off guard!

Types of Plans We Provide

  • Individual Plans
  • Group (for employers)
  • Short-Term Disability
  • Long-Term Disability
  • Supplemental Disability