Provides you with an income should you become sick or injured and unable to work. It helps protect against family financial catastrophe by giving you an income to meet daily expenses.
Disability insurance comes in two major forms:
A variety of employer-paid and government-sponsored programs,
generally cost-free to the recipient, covering certain categories
of workers.
Private policies (paid for by individuals) that protect
income when there are no applicable employer or government
programs or when those programs do not adequately meet
income needs.
Disability coverage can last for different lengths of time.
Short-term disability coverage provides benefits for a
specified period of time, usually 13, 26, or 52 weeks,
and up to a maximum of five years. A long-term
policy may provide benefits up to age 65, or
normal retirement age.
For a free quote for you or your family, please
contact us.