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Disability Insurance

A Disability Insurance policy helps protect one of your most valuable assets—your income. One of the biggest threats to your household is being unable to work due to an injury or illness. A Disability policy helps to replace your income to cover expenses while you are unable to collect a paycheck.

Short-term Disability Insurance

A Short-term disability policy pays a percentage of your salary for a specific amount of time, typically 40-60% of your gross weekly income. Usually, coverage will start one to fourteen days after suffering an injury or illness that leaves you unable to work. Short-term disability benefits can last from 9 to 52 weeks.

Long-term Disability Insurance

A Long-term disability policy is similar to a short-term disability plan but the benefits last for an extended period of time. Usually, longer term disability benefits kick in after a short term disability benefits have been exhausted. A comprehensive disability insurance plan will dovetail short-term with long-term disability benefits. This will allow disability benefits to continue for an extended period of time without interruption.

man in wheelchair icon

Disability Insurance

A Disability Insurance policy helps protect one of your most valuable assets—your income. One of the biggest threats to your household is being unable to work due to an injury or illness. A Disability policy helps to replace your income to cover expenses while you are unable to collect a paycheck.

Short-term Disability Insurance

A Short-term disability policy pays a percentage of your salary for a specific amount of time, typically 40-60% of your gross weekly income. Usually, coverage will start one to fourteen days after suffering an injury or illness that leaves you unable to work. Short-term disability benefits can last from 9 to 52 weeks.

Long-term Disability Insurance

A Long-term disability policy is similar to a short-term disability plan but the benefits last for an extended period of time. Usually, longer term disability benefits kick in after a short term disability benefits have been exhausted. A comprehensive disability insurance plan will dovetail short-term with long-term disability benefits. This will allow disability benefits to continue for an extended period of time without interruption.