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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

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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entrepreneur

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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When to Evaluate Your Disability Insurance Coverage

Posted on April 17, 2017 by Richard Reich

While many people know it’s important to re-evaluate their life insurance coverage or car insurance coverage from time to time, disability insurance coverage is often overlooked. Should you fall ill or become injured or disabled and unable to work, you’re going to want to make sure you get the most benefit from your coverage. That […]

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leaking sculpture

Fill in the Holes in Your Health Care Coverage with Critical Illness Insurance

Posted on April 2, 2017 by Richard Reich

Pop Quiz announcement! What is the number one reason people in the U.S. file for bankruptcy? Divorce Money Mismanagement Job Loss Unmanageable Medical Expenses If you answered A, B, or C, you’d be wrong. The number one reason for bankruptcy in the U.S. is unmanageable medical expenses. According to a study done at Harvard, 62% […]

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wheelchairs

Top Reasons to Consider Buying Disability Insurance

Posted on March 28, 2017 by Richard Reich

It’s interesting to look at what Americans consider most important in their lives. You can get an idea of our priorities when you consider what we insure and what we don’t insure. For example, most people will insure their car, their boat, their RV, and their home without giving it a second thought. It’s obvious […]

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3 Things You Need to Do When You Get Your First Job

Posted on December 16, 2016 by admin

So, you nailed that interview and landed your first job but they don’t offer disability insurance. Congrats! But now that you’ve got some money in your pocket, it’s important that you know what to do with it. Otherwise, you could end up in a financial mess later on down the road. Certainly, we can always […]

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November is National Caregivers Appreciation Month

Posted on November 14, 2016 by admin

November is the month designated for caregivers to be recognized for their tireless efforts during National Caregivers Appreciation Month. This year, the theme is “Take Care to Give Care,” and emphasizes the first rule of taking care of others, which is that caregivers must take care of themselves first. People often find it difficult physically […]

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breast-cancer-awareness-month

October is Breast Cancer Awareness Month

Posted on October 6, 2016 by admin

About one in eight women (about 12%) will get invasive breast cancer in her lifetime. In 2016, almost 250,000 new cases of invasive breast cancer are expected to be diagnosed in women in the U.S. An additional 61,000 women are expected to be diagnosed with non-invasive (situ) breast cancer. And women aren’t the only ones […]

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Why Long-Term Disability Insurance Is More Necessary Than You Think

Posted on August 31, 2016 by admin

Loggers, fishermen, aircraft pilots and flight engineers: these are the most dangerous occupations in the U.S. So it makes sense that these workers would have the strongest need for long-term disability insurance—right? Wrong. While these occupations have the highest number of fatalities compared to the total number of workers, most workplace injuries actually stem from […]

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nurse disability insurance

What You Need to Know: Disability Insurance for Nurses

Posted on August 10, 2016 by admin

Did you know that when compared to other professions, nursing carries a higher risk of short- and long-term illness and injury, nursing carries a higher risk of short- and long-term illness and injury? According to the Department of Labor, nurses suffer more than 35,000 injuries each year – and many of them miss work as a […]

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save on disability insurance

Ways to Save on Disability Insurance

Posted on June 21, 2016 by admin

How to Spend Less on Disability Insurance Premiums The perception of high premiums is one of the main reasons why individuals decide not to purchase disability insurance.  However, protecting a person’s income doesn’t have to cost a fortune. There are many different types of disability insurance and therefore, a wide range of premiums. It’s important […]

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