Individual Disability Insurance
Simplified Issue Long Term Disability
- No Medical Exam
- No Paperwork i.e. Check Stubs or Tax Forms required
- Online Application takes 5—10 minutes
- Decision in 48 Hours.
- $500—$5,000 per month benefit amount
- Ages 18—60
Let's Start Your No-Obligation Quote
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Call (888) 451-0883 or contact us online to learn more about individual disability insurance.
Why Individual Disability Insurance is Essential
While many people have some form of disability coverage through their employer, this group coverage often falls short. Employer-sponsored plans may have limitations on benefit amounts, duration, and portability. If you change jobs, you could lose your coverage entirely. Individual disability insurance, on the other hand, provides you with:
- Personalized Coverage: Policies are designed to match your income, occupation, and lifestyle, offering a benefit amount that truly meets your needs.
- Portability: Your individual policy stays with you, regardless of changes in employment. This provides consistent and reliable protection throughout your career.
- Comprehensive Benefits: Individual policies often offer more robust features.
- Peace of Mind: Knowing you have a financial safety net in place can alleviate stress and allow you to focus on your recovery if the unexpected happens.
Your ability to earn an income is your most valuable asset. It underpins your lifestyle, supports your family, and fuels your financial aspirations. But what happens if an illness or injury suddenly prevents you from working? While many people have some form of disability coverage through their employer, this group coverage often falls short, leaving significant gaps in financial protection. This is where individual disability insurance from Insurance Specialists, Inc. becomes not just beneficial, but essential.
Life is unpredictable. Accidents and illnesses can strike at any age, regardless of your profession or current health. While workers' compensation only covers work-related injuries, and Social Security Disability can be difficult to qualify for with limited benefits, individual disability insurance offers comprehensive protection for a wide range of non-work-related disabilities. This includes common conditions like back injuries, cancer, heart attacks, and other chronic illnesses, which account for a significant portion of long-term disability claims.
Frequently Asked Questions
Do I still need disability insurance if I have a large emergency savings account?
Yes, while savings can cover a short-term disability, long-term disabilities can last for years, quickly depleting even substantial savings and jeopardizing retirement funds. IDI is designed to protect your assets from a catastrophic loss of income.
Can an Individual Disability Insurance policy be customized to only cover specific injuries?
No, IDI policies are designed to be comprehensive and cover loss of income resulting from any illness or injury, whether physical or mental, that prevents you from working. They do not typically cover only specific scheduled injuries.
If I am self-employed, how do I prove my income when applying for a policy?
For self-employed individuals, income is typically verified using tax returns or business financial statements over the previous two years to determine a reliable average for the benefit amount.
Contact the Professionals at Insurance Specialists, Inc. Today
At Insurance Specialists, Inc., we know your ability to earn an income is your most valuable asset. While many people have some disability coverage through their employer, these plans often fall short, leaving significant gaps in their financial security. Our individual disability insurance policies are designed to provide robust, personalized protection that your employer-sponsored plan may not. This means if an illness or injury prevents you from working, you have the financial support needed to cover living expenses and maintain your quality of life.
Your financial security shouldn't be left to chance. Individual disability insurance from Insurance Specialists, Inc. offers a vital safety net, protecting your income and providing peace of mind. Don't wait for the unexpected to happen. Our experienced team is ready to offer a personalized consultation to help you find the right disability insurance solution. Contact us today to secure your financial future.
Call (888) 451-0883 or contact us online today to schedule an appointment and learn more about individual disability insurance.
Our Testimonials
Past Members Speak Their Mind
The experiences of these clients described herein may not be representative of the experiences of other clients.
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"I appreciate your guidance in getting the best plan in place."First, I would like to thank you for your assistance in obtaining a $100,000 life insurance policy which is a better plan for me. Jane Corbett, my sister, has been corresponding with, per my authorization. She mentioned to me that you had e-mailed her regarding the cancellation of the $25,000 Policy # MET-2-1543 and $29,000 Policy # MET-2-387 or to just let them lapse. Since the replacement policy of $100,000 is now in place as I received the Certificate Confirmation Statement along with my Certificateholder Benefit Plan, I am authorizing the cancellation of the two above mentioned policies. Again, I appreciate your guidance in getting the best plan in place.R.L.
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"I really appreciated your explanation regarding our benefits as well as some of the nuances of the policies."Thank you for your time this morning during our discussion about my insurance policies. Peter and I really appreciated your explanation regarding our benefits as well as some of the nuances of the policies. What a treat compared to some responses we've gotten over the years - thank you! Hope you had a good rest of the day and that you have a nice week. And thank you in advance for putting together our policy information to send via USPS. Much appreciated!B.M.
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"I certainly wish there were more dedicated insurance agents like you."I certainly wish there were more dedicated insurance agents like you. I will always want to keep this life insurance for myself and my husband. I guess I need to add a second beneficiary so the benefits won’t be paid to my estate in the event my husband has died before me. Thank you.M.P.
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"Thank you for helping me!"Thank you for helping me! It is nice to have a knowledgeable local agent and your process is so much more convenient than what I’ve been dealing with for so many years. Thanks again.J.T.
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"I can’t think of any other time I’ve had an assignment executed so quickly."Wow. I can’t think of any other time I’ve had an assignment executed so quickly, never mind having two all done! You are definitely the man, Mike. Much appreciated…L.K.
