Disability Insurance
Protect your income and financial stability with comprehensive disability insurance coverage. Secure your future when you can't work due to illness or injury.
What is Disability Insurance?
Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.
For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD).
Statistics show that in the US a disabling accident occurs on average once every second. In fact, Nearly 18.5% of Americans are currently living with a Disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.
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Quick application process with instant quotes and streamlined enrollment
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Bank-level security protection for all your personal disability insurance information
Control over policy
Customize coverage to fit your specific disability insurance needs and budget
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Competitive rates and multiple discounts available for disability insurance
Types of Disability Insurance
Individual Disability Insurance
Those whose employers do not provide benefits, and self-employed who need disability coverage, may purchase policies. Premiums and available benefits for individual coverage vary considerably between companies, occupations, states and countries. In general, premiums are higher for policies that provide more monthly benefits, offer benefits for longer periods of time, and start payment of benefits more quickly following a disability claim. Premiums also tend to be higher for policies that define disability in broader terms, meaning the policy covers a wider variety of circumstances.
High-limit Disability Insurance
High-limit disability insurance is designed to keep individual disability benefits at 65% of income regardless of income level. Coverage is typically issued supplemental to group long-term disability insurance. With high-limit disability insurance, benefits can be anywhere from an additional $2,000 to $100,000 per month. Single policy issue and participation (individual or group) long-term coverage has coverage that can go up to $30,000 with some companies.
Key-person Disability Insurance
Key Person Disability insurance provides benefits to protect a company from financial hardship that may result from the loss of a key employee's services. In this case, the company can use the benefits to hire a temporary employee should the disabled employee's disability appear to be short-term. In the case of permanent disability, benefits are used to help defray costs related to hiring a replacement, including recruitment, training, startup, lost revenue and unfunded salary continuation.
Business Overhead Expense Disability Insurance
Business Overhead Expense (BOE) coverage reimburses for overhead expenses should the owner experience a disability. Eligible benefits include: rent or mortgage payments, business insurance costs, laundry/maintenance, accounting/billing and collection service fees, business insurance premiums, employee salaries, employee benefits, property tax, and other regular monthly business expenses.
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