It helps keep you whole when your body isn’t.

We all like to think we’re invincible, but anything can happen to us – at any time. And recovery is often painfully slow. In fact, the average disability claim is for a period of just under three years. That’s nearly three years of wages you’d otherwise be without if you didn’t have protection. Many American families, even with dual incomes, couldn’t afford to go more than a few months if they lost a paycheck.

Other benefit sources don’t provide much relief, either. For instance, many people think worker’s comp will cover extended work absences. But the majority of accidents occur outside the workplace, which means they aren’t eligible. And disability benefits through the Social Security Administration are highly scrutinized, difficult to receive, and modest at best. You can read more about that here.

Did you know? Back injuries, cancer, heart disease and other illnesses cause most long-term absences – not accidents.

What to expect from us

We offer short and long-term disability insurance policies through a variety of carriers. We’ll compare costs for you, and also review additional options available, including:

  • Cost of living adjustments
  • Coordination of benefits
  • Waivers, riders, returns of premiums and more

You can find a quick description of these options here. And we’ll be happy to go into greater detail when we speak. Contact one of our agents today to start a conversation.