Disability insurance is a product that is designed to reduce the financial risk when an individual is disabled and unable to work.  This type of insurance will replace a percentage of the income lost while unable to work.  There are two main types of disability insurance: long-term and short-term.  Long-term disability insurance usually will cover an individual for over a year.  A short-term disability policy will cover an individual one year or less.  Most policies will allow the individual to choose a percentage of income to be replaced during the disability; such as 50%, 60% or 70%.  Most policies will include a weekly maximum not to exceed a specified amount; for example, $750/week or $1,000/week.

Our licensed disability insurance professionals will educate you and assist you in purchasing the right policy for your needs and situation.  To request that one of our licensed insurance professionals contact you, please click HERE.