// Protect Your Greatest Asset

Your Income

Your ability to earn a living is your greatest asset.  What would happen if, suddenly or overtime, you became disabled?  How much do you stand to lose?  For most people, your earnings pay for all your living expenses, and protect your family’s hopes, dreams and financial future.  And, just one year of being disabled could wipe out your savings.  Disability insurance would allow you to maintain your lifestyle by replacing your income while you are unable to work.  That’s why anyone who relies on a paycheck should consider purchasing a disability policy for your working years.

// How Disability Insurance Works

Disability Plan Options

While you seem healthy, statistics show that our chances of becoming disabled are greater than dying between the ages of 25 & 45.  In fact, more than one in four 20-year-olds will experience a disability for longer than 90 days before the age of 67. Employer coverage is generally short-term and may replace only a small portion of your income.  Additionally, disability insurance is especially critical for self-employed workers who do not accumulate paid sick time or vacation.  

A standard Short Term Disability (STD) policy allows for income payments to begin after a two-week waiting period. Payments will continue to the insured until he/she recovers or maxes out the benefits. Total benefits for a STD could last for anywhere from one month to two years, depending on the policy.

Long Term Disability (LTD) policy allows for income payments to begin after a ninety-day waiting period, although it could be much longer depending on the policy. Once payments begin, they will continue far longer than STD.  The total benefits for a LTD could last for a few years, up to age 65, or even for life


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