Disability Insurance
When you can’t work, your bills don’t take a break.
A disabling illness or injury can interrupt your income. Disability insurance may replace a portion of income when you meet the policy’s definition of disability. We help you understand the waiting period, benefit duration and coverage limits.
MAKE AN INFORMED DECISION
What we’ll help you consider.
How the policy defines disability
The waiting period before benefits begin
The percentage or amount of income covered
Benefit duration and existing employer coverage
Eligibility, benefit amounts, elimination periods and exclusions vary. A policy does not guarantee replacement of all income. Tax treatment depends on how premiums are paid.
PERSONAL GUIDANCE, START TO FINISH
A simpler way to explore your coverage.
Tell us what matters
Your family, your business, your questions. We start by listening.
Understand your options
Get clear explanations of available coverage, costs and trade-offs.
Choose with confidence
We help with the next steps and remain a familiar place to turn with questions.
What is an elimination period?
It is the waiting period between a covered disability beginning and benefits becoming payable, subject to the policy terms.
Is my employer’s coverage enough?
We can help you review your existing coverage and consider what expenses and income needs might remain.
A REAL PERSON. A CLEARER NEXT STEP.
You don’t have to figure it out alone.
Talk with our team. We’ll connect you with the right person for your coverage questions.