Disability Insurance comes in many shapes and sizes. We offer both Individual Long Term and Group Long Term Disability policies. In short, Disability Insurance insures the beneficiary’s earned income against the risk of any disability that will make working and earning money impossible.
Individual Long Term Insurance allows you to purchase protection regardless of where you work.
Group Long Term Disability. A serious disability can take more than your paycheck, it can take away your sense of control over your life. This is where Disability Insurance gives you some peace of mind during a trying time and allows you to maintain control of your financial affairs.
With the group, long term disability policy the monthly benefits are based on a percentage of your earnings. Benefits can begin after 30, 60, 90, 180 days. Even after 365 days depending on the provisions of the plan and can also offer benefits for 2 years, 5 years or to age 65.
Whether you are an individual that would like to have this income protection or a business that wants to provide this very valuable employee benefit, we are here to help!
*All carriers have different terms & conditions on their policies.