Disability Insurance

An injury or illness can halt earnings in a flash, adding stress to mounting medical expenses. Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) offer a modest benefit that may avert abject poverty, but are not enough to maintain a nice standard of living.

Whether used for a paid sick leave, or short-term or long-term disability, we have a policy to cover expenses should you become unable to work.

Many people think that disability is the result of a tragic accident, but it is more likely to stem from an illness such as cancer or heart disease, or from an accident that requires physical rehab but does not permanently disable.   Recovery may take a few months or few years.  During that time, personal disability insurance can help maintain a quality standard of living.

Retirement Protection insurance may work in concert with a disability policy.  When unable to physically earn money a person can no longer contribute to a retirement plan.  Retirement Protection provides a way to feed your retirement plan, even if you’re disabled and earnings are diminished for a prolonged period.

Disability Resources and Information from The Council for Disability Awareness.