What is Disability Insurance?

step by stepDisability Insurance is an income replacement, wage loss plan. The definition of disability, the length of time you seek coverage for, your occupation risk class, annual earned income, and health history are all pricing factors. Simply put- there are many different ways to obtain coverage. And there are even more ways one can be assessed by a carrier.

Companies can have different options for you to pick from. You can have a choice for your waiting period (the amount of time that has to pass before you can submit a claim) and how long they will pay your benefit.
For example: 1st day injury or a waiting period of 30 days. It depends on you. What do you want and how much are you willing to pay for the protection. Do you have a financial reserve or not.
Premiums are decided by the type of work you do, your age, smoker or non smoker the type of coverage you would like and not all policies are the same.

It is my job to help guide you through all of this.

There are ways to obtain a disability insurance quote online, or you may contact us for a customized quote.