Disability Insurance

Disability insurance is also one of the fundamental elements of a good financial plan. It replaces lost income in the event that you become ill or disabled and can't work. There are short-term policies that will provide coverage from 13 weeks to one year, while long-term policies may provide benefits up to age 65 or even for life. Keep in mind that some policies pay benefits if you are unable to perform the duties of your customary job, while others pay only if you are unable to engage in any gainful employment at all.

Many employers provide some form of disability coverage, but it may not be sufficient to help your family make ends meet in the event of disabling illness or accident. That's why you should at least consider whether an individually purchased policy might be right for you. We can help you identify your needs and then develop a sound disability income program.

Frequently Asked Questions