Disability Insurance
Individuals.
Having a plan to replace your paycheck, if you can't work, is as important as replacing your income upon death.
According to the Social Security Administration 1 in 4 of today's 20 year-olds will become disabled before reaching age 67. Among this pool, 65% of private sector workers have no long-term disability insurance. Further, of the 35% that do have coverage, these plans often fall short because of income-cap provisions.
Reviewing current coverage, and making changes as your income adjusts, needs to happen often. We can quickly help you determine if your current coverage is sufficient. If we find that it does not meet your needs, we'll help you bridge the gap with a customized plan that will.
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Realize it can happen to you
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Review coverage yearly
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Bridge coverage gaps
Business Owners.
As a business owner your family, your employees, and your partners depend on you.
What would happen if you couldn't work in your business? For some, business will continue as normal, but for many this event would mark the beginning of the end.
Protecting your income, the income of other key employees, and providing funds to cover overhead costs is what we specialize in. We offer specialized products designed specifically for you and your key personnel. These plans may be layered on top of other disability coverage and you choose who's eligible to participate. For companies with high overhead costs, we'll design a disability solution that will keep your business moving even if you can't.
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Protect your business
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Protect key personnel
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Keep the lights on
Company Employees.
Companies that offer employee benefits are 78% more likely to retain their workforce.
Attracting and retaining the right talent is the life blood of any growing business. When employees feel secure at work, they perform at higher levels, take pride and ownership in their work and become loyal to the company.
Offering disability insurance, in addition to your other benefit offerings, will help you attract and retain the right talent. We work with employers of all sizes to customize a group long term disability plan that fits their budget and meets the requirements of their "qualified sick pay plan (QSPP)."
For companies without a "qualified sick pay plan," we help you, create, fund and implement one. With a properly designed plan, your company will be in a position to continue paying wages to a disabled worker, while limiting your tax obligation on these wages.
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Disability benefits lead to company growth
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Use disability insurance to fund your QSPP
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Leverage a QSPP's tax advantages
Recent Cases
$3500 Income Replacement
Individual Plan
Benefits start after 90 Days
Benefits will continue to for 5 yrs
60 yo Female
Corporate Executive
She's the sole income earner and plans to work 5 more years so she can pay off her mortgage. He has some coverage through work, but it'd fall well under her income needs if she's unable to work.
$148.32 per month
$7000 Income Replacement
Individual Plan
Benefits start after 90 Days
Benefits will continue to age 70
60 yo Male
Anesthesiologist
He's treated many patients around his age for disabling conditions and with the construction of a new home in process, he wants to make sure that his family is protected.
$764.68 per month
60% Income
Replacement
Group Plan
Benefits start after 90 Days
Benefits will continue to age 65
Group of 10 Employees
HVAC Company
This employer knows the value of their work force. They want to make sure that if one of their guys goes down, employee or owner, that they are in a position to replace 60% of that person's paycheck.