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Who Needs Disability Insurance?

There's no way to predict who will become disabled during their 40 or so working years. Without an income, most people's savings are rapidly depleted as they struggle to maintain the household and meet expenses. Many begin to suffer real financial need, often with no end in sight as the disability lingers on.

If you’re dependent upon your income to maintain your standard of living, and your income would decrease or cease to exist if you were to become disabled, you need disability insurance. The time to purchase a policy is now – costs increase as you get older, and if your health declines in the future, it may become too late to insure you.

We’ve helped hundreds of people with their disability insurance needs – and have saved them time and money in the process. You can review disability insurance quotes from the top insurance companies in the comfort of your own home or workplace without any sales pressure.

We make it simple to compare disability insurance quotes for most occupations, so don’t wait another day to start on the road to protecting yourself and your family with disability insurance – fill out our Disability Quote Request form today.

Recent Blog Posts

Long-Term Disability Insurance from Mass Mutual

Posted on June 11, 2018 by Richard Reich

Long-term Disability Insurance (LTD) is insurance coverage that protects your income in the event you become disabled because of an accident or illness and are unable to work. Disability insurance will pay your benefits, even if you receive workers compensation, which only pays if you are injured at work. Although many employers offer short-term disability insurance, […]

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5 Reasons Freelancers Should Have Disability Income Insurance

Posted on May 17, 2018 by Richard Reich

The term freelancer is an unusual moniker for someone who is self-employed, but it is used widely to describe that large group of workers who have issues with traditional employment. Although how the term was coined continues to be debated, one can look at the most popular phrase that may have birthed the term: In […]

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Long-Term Disability Insurance Riders Explained

Posted on May 12, 2018 by Richard Reich

Fundamentally speaking, a disability income insurance policy helps to replace your income if you become disabled and are unable to work. When you’re shopping for long-term disability insurance coverage, you will find that you can customize your insurance coverage using riders. You, as the applicant, can designate when you collect your disability payment, the definition […]

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long-term disability

Long-Term Disability | Are the Odds against You?

Posted on May 7, 2018 by Richard Reich

It’s surprising to find that most workers, professional or blue-collar, believe long-term disability is something that happens only to workers who have blue-collar jobs like roofers, heavy equipment operators, or people who do heavy lifting all day. Yet these are the same people who rush out and buy life insurance, car insurance, and homeowners insurance. […]

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Disability Insurance for Physicians | The Dos and Don’ts

Posted on April 27, 2018 by Richard Reich

When starting their careers, physicians are typically taught the necessity of buying individual disability insurance policy during the course of or soon after training. Regrettably, not all individual disability policies are the same, which is why we encourage physicians to follow certain best practices to avoid buying insufficient income protection. We have listed for you […]

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long term disability insurance from MetLife

Buying Long Term Disability Insurance on a Budget

Posted on November 17, 2017 by Richard Reich

The time has arrived for you to take that step towards purchasing a disability insurance policy in order to protect your future earnings.  You’ve done your online research, you’ve solicited quotes from online brokers, now the emails are rolling in offering various options.  Immediately you notice that the average cost of coverage is somewhat unsettling.  […]

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disability insurance coverage

Disability Insurance Coverage – Protect Your Most Valuable Asset

Posted on October 18, 2017 by Richard Reich

What if a person asked you, “What is your most valuable asset,” would your response be, “My home,” “my vehicle,” “my collection of art” or “my prized boat?” Reaching a point in life at which you have attained these things is great, however, would it be possible for you to have attained any of these […]

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Three Ways to Protect Your Retirement Income

Posted on September 25, 2017 by Richard Reich

There are three methods to guarantee that in the event you come to be too ill or injured to do your job, your retirement plans are not significantly affected. Many physicians, attorneys, and other professionals have obtained an individual disability insurance policy to protect their income. If they are unable to work in their own-occupation, […]

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The Importance of Disability Buy-Out Insurance

Posted on August 26, 2017 by Richard Reich

A proper buy-sell agreement should always have provisions that assume the future needs of a small business. Although most buy-sell agreements arrange for the death of a small business owner, many buy-sell documents are quiet when it comes to the disability of a business owner. The truth is that a business owner is a lot […]

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gardener

Long-Term Disability Insurance Tips for First-Time Buyers

Posted on August 10, 2017 by Richard Reich

Long-term disability insurance. For most, this term only comes up when applying for company health benefits when you are a newly-hired employee. You know you need health insurance, and they will typically give you life insurance, but what happens if you become disabled? Long-term disability insurance is, at its foundation, income replacement insurance.  It can […]

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Long-Term Disability Insurance: Best Option for the Self-Employed

Posted on July 31, 2017 by Richard Reich

The main reasons why some people prefer working as a salaried employee instead of as a self-employed worker are the benefits salaried employees receive for sick days and disability leaves, usually being paid as normal days. While for most self-employed workers, a day you didn’t work is a day you’re not going to get paid. Long-Term […]

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hospital-building

Disability Income Insurance 101: Own Occupation

Posted on May 23, 2017 by Richard Reich

The most important feature of a disability income insurance policy is how the insurer defines “disability.” The most important thing about this critical definition is that it should cover as many scenarios as possible, rather than as few as possible. On the landscape of disability insurance, there are two primary categories of definition: own occupation and any […]

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