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, cialis 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