“Mind” – it works well until it whispers back, I told you not to get on that dirt bike.
We’ve all said it, “That will never happen to me.” But chances are whether you are working in the yard, on vacation with family, or dashing through the rain – it can happen. Then come the questions: how to I pay my bills, how do I buy food, where is the money going to come from? With Robertson Insurance Group’s disability insurance our clients aren’t left asking questions. Our disability insurance provides you with the coverage you need when you need it most.
“Studies show that a 20-year old worker has a 3-in-10 chance of becoming disabled before reaching retirement age.”
(SSA Publication No. 05-10029:www.ssa.gov/dibplan/index.htm)
Types of disability insurance:
- Short-Term Disability policies have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
- Long-Term Disability policies have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.
Robertson Insurance Group agents will sit down with you to discuss the features and options that are available to help you in your time of need, such as:
- Coordination of benefits
- Cost of living adjustment (COLA)
- Residual or partial disability rider
- Return of premium
- Waiver of premium provision
Loss of Income
Disability income insurance covers you if you become disabled or unable to work as a result of an accident or illness. It complements your health insurance and replaces lost income.
43% of all people age 40 will have a long-term (lasting 90 days or more) disability event by age 65.
Even if you receive some employer-paid coverage, an individual disability income policy ensures adequate income in the event of a disability. This type of insurance policy replaces 50% to 70% of income, and disability benefits are not taxed. (Employer-paid policies are subject to income tax.)
Disability insurance is an investment in your future. Our team of qualified agents understands life and can help you make informed decisions that fit your lifestyle – from start to finish. Robertson’s experience and reputation of industry excellence afford us a wider range of investment opportunities, providing you with more choices and better options.
It’s simple, fast, and absolutely free! Call to speak to an agent at 610-866-2400 or fill out the Get A Quote form today with no obligation. Or stop in at one of our three convenient locations in the Lehigh Valley.
Providing insurance isn’t about the bottom line, it’s about developing a partnership – A COMMITMENT. We strive to rise above the norm to find solutions that are tailored to your specific needs and deliver an experience of trust, knowledge, and reliability. It’s simple, fast, and absolutely free!
