disability insurance

Most of us insure our homes, our cars, even our phones—yet the one thing we rely on most, our income, often goes unprotected. The truth is sobering: 1 in 4 workers will experience a disability during their working years, and the average long-term disability lasts 2.6 years. Imagine the strain of being unable to work for that long. Mortgage payments, utilities, groceries, medical bills—life doesn’t pause when your paycheck does.

Too often, families assume disability “won’t happen to me,” but disabilities aren’t always dramatic accidents. They can be the result of illness, back injuries, or other conditions that arise without warning. And while Social Security disability benefits exist, they are difficult to qualify for and rarely enough to cover the cost of living.

Disability insurance steps in to protect what matters most: your financial security and peace of mind. It replaces a portion of your income if you’re unable to work, ensuring you and your loved ones can focus on recovery instead of worrying about bills piling up.

At Ford Insurance Agency, we understand how personal this protection is. Our team takes the time to explain your options, tailor coverage to your needs, and make sure you’re not left vulnerable.

Don’t wait for a crisis to find out you’re unprotected. Reach out to Ford Insurance Agency today and learn how disability insurance can safeguard your future.