Explore Disability Insurance Solutions
Your ability to earn an income is one of your greatest assets. Disability insurance provides financial protection if you become unable to work due to an illness or injury. Whether you experience a temporary setback or a long-term disability, this coverage ensures you can continue to meet financial obligations, such as mortgage payments, household expenses, and medical bills. Without it, a loss of income could create significant financial strain. Let us help you find a disability insurance plan that safeguards your livelihood and provides peace of mind.
Coverage Options
Ensuring Financial Stability When You Need It*
* These coverage options represent the most common but it is not an all-inclusive list. These flip cards are for educational purposes only. For all coverage options or to discuss your specific coverage needs, please contact our licensed agents.
** All coverages are subject to your specific policy. If you have questions regarding your coverage, please contact your licensed agent.
Short-Term Disability Insurance
Provides income replacement for a temporary disability, typically lasting a few weeks to several months. This coverage helps cover lost wages while recovering from injuries, surgeries, or short-term illnesses.
Long-Term Disability Insurance
Offers financial protection for disabilities lasting several months to years, or even permanently. It ensures continued income replacement if you cannot return to work due to severe illness or injury.
Own-Occupation Disability Coverage
Pays benefits if you are unable to perform the specific duties of your current profession, even if you can work in another field. This is especially beneficial for specialized professionals such as doctors, attorneys, or skilled tradespeople.
Any-Occupation Disability Coverage
Provides benefits only if you are unable to work in any occupation for which you are reasonably qualified. This coverage is generally more affordable but has stricter qualification criteria.
Partial Disability Coverage
If an illness or injury limits your ability to work full-time, this coverage provides partial benefits to supplement your reduced income while you transition back to full capacity.
Residual Disability Benefits
Helps replace lost income if you can work part-time but experience a reduction in earnings due to a disability. It ensures financial support even if you are able to work at a limited capacity.
Cost-of-Living Adjustment (COLA) Benefit
Ensures that disability benefits keep pace with inflation, helping to maintain financial stability over time for long-term disabilities.
Future Increase Option (FIO)
Allows you to increase your disability coverage over time without undergoing additional medical underwriting, ensuring your policy grows with your income.
