Getting Started
Disability Insurance
Disability insurance ensures that if illness or injury prevents you from working, your bills — and your life — don’t fall apart.
Disability Insurance
What Is Disability Insurance?
Disability insurance replaces a portion of your income if you become unable to work due to:
Injury
Illness
Surgery recovery
Pregnancy complications
Chronic medical conditions
Instead of draining savings or relying on others, you receive monthly income benefits to stay financially secure.
Why
Why Disability Insurance Matters
1 in 4 working adults will experience a disability before retirement.
Most disabilities are caused by illness — not accidents.
Without income protection, even a short-term disability can lead to:
Missed mortgage or rent payments
Credit card debt
Retirement savings withdrawals
Financial stress for your family
Disability insurance protects what pays for everything else — your paycheck.
COVERAGE
Our Coverage Options
Short-Term Disability
Covers temporary disabilities
Benefits typically last 3–12 months
Ideal for recovery from surgery, injury, or maternity leave
Long-Term Disability
Covers extended or permanent disabilities
Benefits can last years — even until retirement
Protects your long-term financial stability
RESEARCH
Who Needs Disability Insurance?
Disability insurance is essential for:
Business owners
Self-employed professionals
Doctors, attorneys, engineers
Corporate employees
Primary household earners
Anyone who depends on their income
If you rely on your paycheck, you need income protection.
How it Works
How It Works
Choose Coverage – Select benefit amount and duration
Get Approved – Simple underwriting process
Stay Protected – Pay affordable monthly premiums
File a Claim if Needed – Receive monthly income benefits
Medicare FAQ's
Got questions? We've got answers
You are eligible to apply for Medicare during your initial enrollment period which is a 7 month window. 3 months before turning 65, the month you turn 65 and 3 months after turning 65.
The easiest way to sign up for Medicare is online through SSA.gov or by Calling Social Security at 1-800-772-1213. You can also visit your local Social Security Office.
If you are already receiving Social Security Benefits you will be automatically enrolled into Original Medicare, otherwise you will be eligible to enroll during your initial enrollment period that starts 3 months before your 65th birthday.
If you miss your Initial Enrollment Period you can sign up during the General Enrollment period that occurs every year January 1st through March 31st. Coverage becomes effective the month following your enrollment date.
Yes, there are penalties for not signing up for Part B of Medicare and will be added to your premium.
If you need a new Medicare card you can order a replacement card by phone at 1-800-772-1213, or online at the Social Security Administration web site. Make sure you have your Medicare number ready when you call.
