Disability Income Insurance
If you were sick or injured for a few weeks, could you continue to take care of your family and meet your expenses? What if your illness or injury lasted a few months or years?
Disability income insurance fills the need for income replacement during an illness or injury. It is designed to pay a portion of your income for a specified amount of time, after a waiting period.
What to look for in a policy:
- Definition of disability varies, from the inability to perform your normal job duties to the inability to perform any job duties.
- Total or partial disability needed for payments to be made
- Amount of benefit
- Waiting period before payments begin
- Benefit period for how long benefits are paid
- Waiver of premium during your disability
- Non-cancelable vs Guaranteed Renewable
- Cost of living adjustments
- Type of disability covered- injury, illness or both
We represent the top companies in the disability income marketplace. Our licensed, experienced professionals can help you find the right policy for you.
