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Disability Insurance
Disability Insurance

Disability Insurance for Individuals


Let's consider what might happen if you were not unable to work because of an illness or personal injury? With no income, just how long would you be capable for making your rent or mortgage payment, purchase groceries or even pay your credit card debt without feeling the pinch? If you’re like many, it wouldn’t be long a all.


That’s where disability insurance comes in. Think of it as insurance for your paycheck, it offers income protection to individuals who become disabled for a long period of time, and as a result can no longer work during that time period. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work.


You won't hesitate to insure your property, vehicle along with other valuable belongings, so why wouldn’t you also safeguard what pays for those things - your own salary.


Disability Insurance for Businesses


There are a verity of reasons why you should own individual disability insurance coverage to replace your wages in the event you get injured.

However, if you own a business, it's not only about you. As a business owner, you’re most likely the principal driving force of your business, as well as it’s bankroll. Whenever you are planning for your business, one contingency you have to incorporate is exactly what would happen if you became incapacitated. Here's a sobering stat out of the Council for Disability Awareness (CDA), an insurance industry group: A quarter of individuals entering the labor force will probably be disabled before retiring and can expect to be away from work typically for 34.6 months. That's nearly 3 years. It isn't simply because they spend weekends racing motorcycles or travel long distances. Cardiovascular disease, back problems, cancer as well as other medical conditions have a propensity to cause disability, more-so than mishaps or accidents.

We are here to sort through your concerns and answer your questions. Give us a call or get a Disability Insurance quote by entering your information in the form provided on this page.

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