Disability Insurance

If you became disabled or were unable to work for an extended period of time, how would you pay your bills? You may be entitled to short-term or long-term disability benefits from your employer, workers compensation (if the cause of the disability was work-related) or Social Security Insurance benefits. However, the fact of the matter is that many people are either not covered or not adequately covered by those options.

Disability income protection can help fill in the gaps. It helps protect your family against potential financial ruin by providing income if you are disabled and unable to work. Working together with us, you can gain peace-of-mind with a plan that protects your greatest asset, the ability to contribute to your family's income.

Most disability policies are non-cancelable and guaranteed renewable. That means your policy cannot be canceled by the insurance company except for nonpayment of premium. It also means you are guaranteed the right to renew your policy at the same benefit level. The insurance company does reserve the right to increase your premium provided they do so for everyone within your rating class.

• Short-term disability insurance -- Sometimes referred to as "sick pay" provides benefits for a specified period of time (13, 26, or 52 weeks; up to a maximum of five years)
• Long-term disability insurance -- Provides benefits starting after an elimination period of one month to one year after you've been injured or become ill. You may usually choose plans that include benefits that are paid for two years, five years or up to age 65. Additional features that may be available to you are an annual cost-of - living increase benefit or an increased coverage option (lets you purchase additional coverage later).

For more information about disability insurance solutions, please contact us at 207-985-8300, toll free at 877-848-9653, or send us a secure e-mail.