Disability Insurance

Protects your most valuable asset and your ability to earn an income.

Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work.

Disability Statistics

Disability can happen to anyone, it's more common than you think.
  • There are over 51 million Americans that are classified as disabled, representing 18 percent of the population. 
    U.S. Census Bureau, Public Information Office, November 2008

Disability Insurance (paycheck protection)

Welcome to the disability insurance section of our Web Site. This section covers the basics of disability insurance.  Once you have a sense of your need for disability insurance, it’s important to speak with an expert. I as an insurance professional will be able to explain the various features of disability insurance policies and how I can help you strike the appropriate balance between the benefits you desire and the most reasonable rate available. If you would like to get an individual disability insurance quote simply click the above Disability Insurance Quote tab to complete and submit the form. 

What are YOUR chances of not being able to earn an income?

We call it your Personal Disability Quotient. It's a way to calculate your odds of an injury or illness that could force you to miss work for weeks, months, even years.   Why is your PDQ so important? Because your paycheck is important!  How else will you afford all the things that are important to you – your home, your family's lifestyle, your children's education, your own retirement?   The likelihood of you becoming disabled is higher than you probably imagined. So take the PDQ test, the fast and easy way to calculate your personal odds and discover what's really at stake. 

Request your FREE (PDQ) Personal Disability Quotient calculation form and ask yourself the (6) simple questions to calculate your own PDQ.  Next request a Disabilty Insurance Quote (below) and get started protectiing your most valuable asset, your PAYCHECK!!  

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Our team of dedicated professionals specialize in assisting clients to prepare for the unexpected, insuring they are well informed every step of the way.