Disability Insurance

INCOME PROTECTION YOU CAN RELY ON

Financial Security During Times of Disability

Disability insurance ensures that you have financial support when an injury or illness prevents you from working. At Local Insurance Guys, we provide disability insurance options that give you peace of mind, ensuring you can cover your living expenses while you recover.

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Income Replacement

Disability insurance provides a portion of your income if you're unable to work due to illness or injury. This helps you maintain your financial obligations, such as rent, mortgage, and daily living costs.

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Short-Term and Long-Term Options

Whether you need temporary coverage for a few months or long-term protection, we offer flexible plans that fit your specific situation. Our agents will guide you in selecting the best option.

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Easy Enrollment Process

Our disability insurance plans come with a simple application process. We’re here to make sure you get the coverage you need with minimal hassle, so you can focus on your recovery.

Answers to Help You Plan Ahead

  • What types of disabilities are covered?

    Disability insurance typically covers both physical and mental conditions that prevent you from working, such as injuries, illnesses, or recovery from surgeries.

  • How much of my income will disability insurance cover?

    Most plans cover a percentage of your income, usually ranging from 50% to 70%, depending on the plan.

  • How long does it take for benefits to start?

    The waiting period for benefits depends on your plan, but it generally ranges from a few days for short-term coverage to a few months for long-term disability.