Long Term Disability Insurance

What is your most important asset? In most cases, it is not your house, or job, or car, but rather your ability to earn an income. What would happen if your paycheck suddenly stopped because you were too sick or injured to work? How would you pay for food, utilities, the mortgage or rent and other living expenses?

Long term disability insurance policies provide monthly income to help pay your bills so you and your family can maintain your current standard of living. Think about all of the other things people insure; cars, homes, jewelry, TV's, cell phones, laptops, boats. Why wouldn't you want to protect your most valuable asset, your paycheck.

Most people perceive disability as being in an accident and having some physical injury. The reality of the situation is you are just as likely to have an illness that will disable you. Some examples of the health conditions that could qualify you for a disability claim are:

Asthma, Back injury, Lyme Disease, Chronic Fatigue Syndrome, Depression, Cancer, Heart Conditions, Bipolar Disease, Lupus, Stroke, HIV, Alzheimer's, Parkinson's, Multiple Sclerosis, Anxiety-Related disorders, Fibromyalgia

Do not let a disability derail your financial dreams. Our team of experts can design a policy to meet your specific needs.

Disability Retirement Income Security

Many people do not think about what would happen to their retirement plans if they become too sick or hurt to work. Without an income individuals may have to dip into their retirement funds to pay everyday living expenses and are no longer able to save for retirement. 

How does Disability Retirement Income Security (DRIS) work?

Upon a qualifying disability, insurance benefits are paid to an irrevocable trust, which is invested according to the investment options selected. This sort of policy will help you continue to save for retirement in the event of a disability. 


Disability Occurs