An integral component of a solid financial plan is adequate disability insurance. It is important to review and know what you have prior to a claim. Our agency offers an in-depth review of your disability portfolio. We will examine your individual, association, and group policies and help determine if the coverage is adequate based on your income, goals, and objectives.
The disability market has changed over the past few years and it is now possible to obtain 60% of your earnings including bonuses as a monthly benefit. If there is a gap in coverage we can shop the market and find supplemental coverage. We focus on companies that offer excellent contractual language as pertains to true ‘own occupational’ coverage in your medical specialty, enhanced residual disability and an optional long term care riders. We can also review your business Group Disability contract and offer alternative quotations.