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Disability Insurance

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Disability Insurance Provided By Our Agency

Disability insurance protects your employees if they are unable to work for a while. It’s a crucial part of any quality employee benefits package, and we can help you create an individualized plan that will meet all your needs.

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Recruitment & Retention
Employees & Families
Product Customization
Potentially Portable
Tax deductible premiums

Recruitment & retention coverage

Risk Factors

It is essential for small businesses to offer comprehensive benefit packages if they want to stay competitive with other employers within their industry.

Solution

Disability insurance can be offered to compete for top talent and contribute to employee satisfaction with these valuable workplace benefits.

Employees & families coverage

Risk Factors

When an employee gets disabled due to an accident or a disease, they may keep thinking about the medical expenses and lose their peace of mind.

Solution

It replaces some or all employees' income during disability to keep them focused on recovery and returning to work.

Product customization coverage

Risk Factors

Every employee has their own needs and requirements. Hence, it is always advisable to customize the benefits to protect every employee.

Solution

In many places, the employer can design a plan that meets the needs of their business as well as their employees. For example, choosing elimination periods, benefit durations, partial disability benefits, return to work benefits, administration services, and more.

Potentially portable coverage

Risk Factors

Employees may constantly worry about the benefits while changing their jobs/employers.

Solution

Depending on the plan design, covered employees may be able to take their coverage with them if they leave the company.

Tax deductible premiums coverage

Risk Factors

Businesses are always concerned about how much tax they should pay.

Solution

You can take pre-tax company-paid premiums as a business tax deduction.

What is Disability Insurance?

Disability insurance is a type of insurance that provides financial assistance to people who are unable to work due to a temporary or permanent disability. It is designed to provide a source of income replacement for a limited period of time or until retirement age. Disability insurance can cover a wide range of disabilities, both work-related and non-work-related, such as illnesses, injuries, and mental health conditions.

What does Disability Insurance usually cover?

  • Disability insurance typically covers a portion of your income if you become disabled and cannot work.
  • The amount of coverage can vary depending on the policy and may be based on a percentage of your salary or a flat amount.
  • Disability insurance may also cover medical expenses related to your disability, rehabilitation costs, and other fees associated with your disability.

Benefits of Disability Insurance?

  1. Income replacement: Disability insurance provides a steady income stream if you cannot work due to an illness or injury.
  2. Flexibility: Disability insurance can be customized to meet your specific needs, including the time benefits are paid and the amount of coverage.
  3. Career protection: Disability insurance can help protect your career by providing income while you recover from an illness or injury, allowing you to maintain your skills and credentials.

We would like to learn more about your Disability Insurance? Schedule a call today

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Next Business Solutions

We extend coverage to individuals and businesses in Melville, NY and surrounding areas.
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