individual disability Insurance
How Long Could You Go Without a Paycheck?
Your income supports every aspect of life. For millions facing sudden inability to work due to illness or injury, worrying about bill payments is the last thing needed. Our agent team is here and ready to help you get comprehensive coverage in place.
Is individual disability insurance for me?
There's a widespread misunderstanding about disability income insurance, often seen as coverage solely for accidents. In reality, illnesses such as cancer, depression, and multiple sclerosis frequently disrupt your ability to work. Individual disability income insurance is crafted to safeguard your income in case you're unable to work due to illness or injury.
Request a quote for disability income insurance to secure your earnings during illness or injury.
Do I need short term or long term disability insurance?
The primary distinction between short-term and long-term disability insurance lies in the duration of benefits during work incapacity, known as the benefit period.
Short-term disability insurance covers a brief period after illness or injury, typically 13-26 weeks, replacing 40-70% of income.
Conversely, long-term disability offers extended benefits, usually spanning years, ranging from 5 to retirement age, depending on the plan.
Buying your own individual disability insurance
Individual disability insurance suits those without workplace coverage or high earners seeking additional protection. Portable and independent of employment changes, it offers continuous coverage.
For enhanced protection, consider supplementing your long-term or individual disability plan with extra coverage. Supplemental disability insurance is valuable for safeguarding a higher percentage of income, including bonuses and commissions, and may be available through your employer.
It’s time to meet Madison!
Madison Ford leads our life insurance department. He’d be happy to help! You can call him directly at (231) 492-0824 or email him at mford@fordinsurance.net.
CALL: (231) 492-0824
EMAIL: mford@fordinsurance.net
Or if you’d prefer, click below to fill out a form and he will get back to you.