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Disability Insurance

Disability Insurance

Why Is Disability Insurance Important?

The chance of missing months or years of work because of an injury or illness may seem remote, especially if you’re young and healthy. Yet, more than one in four 20-year-olds will experience a disability for 90 days or more before they reach 67, according to the Social Security Administration.

Many of us prefer not to think about the worst-case scenario happening, but what would you do if you couldn’t work? How long could you afford to pay your mortgage and support your family?

With the proper disability insurance plan in place, we’ll help you prepare for the unexpected.

Where to Buy Disability Insurance

Choosing a disability insurance plan is a major financial decision in a person’s life. This is not a decision you want to make by price alone. The least expensive premiums may not be the most efficient disability plan to purchase if you were to become sick or hurt and cannot work. If the unforeseen sickness or injury happens in your lifetime, you want to make sure you purchased a high-quality disability insurance plan to cover you.

When purchasing a disability insurance plan, we’ll review these four important elements with you:

  • Definition of disability

  • Occupation class

  • Riders and benefits available

  • Language in your policy

When you partner with our team, you’ll have the freedom to select a plan across the big six disability insurance companies, including: Ameritas, Guardian, Mass Mutual, Ohio National, Principle and Standard.

We’ll ensure you know the language and disability features of each plan to help you select the best plan for you.

Click the link for our answers to frequently asked disability insurance questions.

Disability Insurance FAQs

Have additional questions about disability insurance or disability insurance services? Schedule a time to speak with Michael Romanello for a time that's convenient for you.

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