One of the most important coverages after health insurance to ensure your financial protection is Disability Income Insurance.
While you are in your working years, your most valuable asset is your ability to earn a living. However, statistics show that our chances are greater of becoming disabled than dying between the ages of 25 & 45.
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 can be customized to meet your needs and considers your 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.
For a Quote for Disability Insurance, click the "X" in the upper right hand corner of this page and fill out the Quote Request form on the Individual Insurance page.
Have a Question? Please contact us at (502) 339-7980 or email us.