Disability Insurance

Short Term Disability

We offer Individual Short Term Disability coverage that you purchase direct (not through an employer). Disability income insurance can replace a portion of your income if you get sick or injured and are unable to work.

Our insurance policies can help:

  • Provide monthly income to help maintain your way of life
  • Provide coverage up to $5,000 per month – no physical exam
  • Be customized to fit your needs
  • Preserve your independence without relying on others
  • Protect your dreams and goals

Guaranteed Issue Disability Insurance for Federal and Postal Employees

How long could you go without a paycheck? Our disability program offers 24-hour protection. Choose either a 14 or 30 day waiting period, and benefit period up to one year.

  • No one is declined
  • One rate for all ages
  • Covers maternity after 10 months
  • Pre-existing conditions covered after 12 months
  • Draw sick leave and disability at the same time or bank sick leave
  • Choose between $600 to $2000 a month tax free
  • Available via payroll deduction

Long Term Disability

While many people carry life insurance because they are worried about an untimely death, more people should be concerned with the risk that a disability may present.

Consider these facts:

  • Nearly three out of four Americans would have trouble supporting themselves financially within six months of suffering a disability
  • Three in 10 workers entering the workforce today will become disabled before retiring
  • Over 6.8 million workers are receiving Social Security disability benefits; almost half are under age 50