Disability Insurance
Disability insurance replaces a portion of your income when you can no longer work due to a disabling illness or injury. A short-term disability policy covers temporary disabilities. Long-term disability (LTD) policies cover disabilities that are expected to be permanent. LTD policies have many options such as cost of living increases (COLA), partial disability riders, “own occ” definitions of disability, and premium waivers. Let us help you explore the type of policy that protects your income.
Disability insurance protects you from the financial risk of losing your income when you become disabled and can’t work.
-
Choose a policy that pays for temporary or permanent disability
-
Select a policy that pays if you become disabled for your own occupation or any occupation
-
Add a COLA to your policy to sustain your standard of living
-
Add a partial disability rider to continue benefits if you can return to work part-time
Types of Disability Coverage
Short-Term Disability
Protects you from loss of income when you have a temporary illness or injury and cannot work.
Long-Term Disability
Replaces a portion of your income when a disability prevents you from working and is expected to be permanent.
Critical Illness Coverage
No one is exempt from experiencing a serious or sudden illness. According to the Centers for Disease Control and Prevention, more than 795,000 people in the United States have a stroke every year.1 The diagnosis of a critical illness such as stroke, heart attack, or cancer can cause an immediate financial strain on any family.
Health insurance doesn’t always cover 100% of the expenses associated with critical illnesses, leaving individuals with the responsibility to pay the difference or entire cost. Critical illness insurance are insurance policies that help to reduce the weight of the financial burdens resulting from the diagnosis of a serious illness by providing a cash payout to help cover medical and other expenses after diagnosis.
Critical illness insurance policies provide benefits in addition to any existing major medical coverage you already have. In the event of a heart attack, stroke, cancer, or other serious illness the insured can receive a lump-sum cash or specified payment amount to help manage expenses. The choice on how you’d like to use this assistance is yours.​
This benefit can assist with covering costs such as:
-
Out-of-pocket medical expenses such as co-pays and deductibles that medical insurance may not cover
-
Experimental procedures
-
Daily living expenses including mortgage or rent payments while you’re recovering
-
Transportation expenses, such as traveling to and from treatment facilities, installing in-home ramps, or retrofitting vehicles to carry wheelchairs or scooters
-
Other non-medical costs related to the illness
On/ Off Job Accident Protection
Accidents happen — often when you least expect them. 87% of emergency department visits are due to an injury. Most Americans do not have emergency funds set aside to cover the your health insurance deductible or additional out-of-pocket responsibilities. In fact, according to Bankrate's annual emergency savings survey, 22% of U.S. adults claim they have no emergency savings and 57% aren't comfortable with what they have for emergency savings.
When those extra expenses start adding up, they can lead to financial strain. With accident insurance, the cash benefit payout can help you pay for these expenses. Accident insurance is a supplemental insurance policy that helps cover out-of-pocket costs after an accident. It's usually purchased in addition to a primary health insurance plan. ​​​​
What does accident insurance cover?
Hospital stays, medical exams, emergency treatments, transportation, lodging, ambulance care, physical therapy, lost wages, and much more.​
​
How does accident insurance work?
-
Accident insurance pays out cash benefits to help cover expenses.
-
It can help fill the gap between what your health insurance covers and what it doesn't.
-
It can help provide peace of mind when unexpected injury costs arise.
Dental and Vision Insurance
If you are buying dental insurance on your own, we make it easy to find an affordable plan, including options that bundle vision and hearing coverage. Dental and vision coverage can be purchased as a standalone plan or as an add-on to a health insurance plan. We offer dental and vision plans from the top rated carriers in the U.S. We will work to find coverage that will fit both your needs and budget. ​
Dental Insurance
Dental insurance plans offer coverage for basic dental care, like general dental screenings and preventive care or you can choose coverage for major care, such as dental implants.​
​
You can choose from several types of dental insurance plans. When you’re looking for dental coverage, consider what your most important factors are (like cost, waiting periods, coverage, annual benefit limit, keeping your dentist or flexibility). Then look at dental plans that would work best for you and your situation.
Vision Insurance
With vision insurance, you’ll typically have benefits that cover some of the routine costs for vision care, like routine eye exams, glasses or contact lenses. You can buy vision plans to add to your health insurance or choose to buy vision coverage along with other supplemental plans, like a dental plan.​
​