Disability Insurance

What is Disability Insurance?

Disability Insurance protects one of your most valuable assets – your income. If you are unable to work due to sickness or injury, Disability Insurance can help you meet expenses and maintain your standard of living.

Some Options if you are looking at Disability Insurance:

  • Group Disability Plans (through your Employer)
  • Individual Disability Plans (Self Employed)
  • Supplemental Disability Plans (In addition to your Group Plan)

Two Types of Disability Insurance:

  • Short-Term Disability Policies
  • Long-Term Disability Policies

Disability Insurance Policies have two different protection types:

  • Noncancelable
  • Guaranteed Renewable

What to Consider When Purchasing a Disability Policy

  • Additional Purchase Options
  • Coordination of Benefits
  • Cost of Living Adjustment
  • Residual or Partial Disability Rider
  • Return of Premium
  • Waiver of Premium Provision

Will I Need Disability Insurance?

Disability is more common than most people think. Your odds of becoming disabled for some period of time before you retire are about 1 in 3, per studies. While most people think of disability, as a result of something like a car accident, the same study lists the most common reasons for disability are:

  • Arthritis
  • Back Pain
  • Heart Disease
  • Cancer
  • Depression
  • Diabetes

These are chronic conditions that have nothing to do with the kind of sudden injury that most people equate with a disability. If one of these conditions prevented you from working, how would you cope financially?

How Can American Integrity Insurance Solutions Help You with a Disability Insurance Quote?

American Integrity Insurance Solutions is an independent insurance consulting agency that partners with dozens of carriers to provide people with unbiased advice on a variety of insurance products.

Our team is readily available to craft a policy that custom fits to your needs. We promise to not only provide a policy fulfilling your specific needs, but also to help you understand how and what it protects you against.

Get a Free Quote Today

Made with Integrity