How it Works

Disability insurance is put in place to cover a portion of your income if you are unable to work for an extended period of time. The most prevalent cause of disabilities is thought to be accidents, when in reality the leading cause of claims is mental illness (anxiety & depression).  With disability claims often being subjective, contractual language is of utmost importance.  Often times people think they are covered – through government programs such as Worker’s compensation or through an employers group plan – which is often not the case.  For the most part, disability insurance will not replace all of someone’s income. Instead, disability insurance provides wage replacement benefits that cover, on average, up to 60% of employee earnings.

With over 30 years of knowledge and exprience, we will ensure that your contract has the necessary definitions therein to facilitate a smooth claims experience.  Let us walk you through the process and act on your behalf when it comes to your coverage needs, your application, the underwriting process, changes, inquiries, and filing a claim.