Individual Disability

Disability insurance is a form of insurance that provides income to an individual who becomes disabled. Becoming disabled through an injury or sickness can lead to a significant loss of income. Disability insurance is designed to cover this loss as well as everyday living expenses incurred despite the disability.

Short term disability insurance can be ideal for an insured who desires

  • coverage immediately following the day of disability
  • disability insurance that is not tied to a particular job
  • coverage until employer-provided disability insurance takes effect
  • a lower premium as a result of a shorter benefit period

Long term disability may be the best option for an insured who

  • does not need immediate disability benefits because other resources are available
  • desires a plan tailored to specific needs
  • wants coverage to transfer if a job change occurs
  • seeks long term disability benefits
Get a Disability Quote

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