Why do I need Disability Insurance when there is Social Security?
Social security is difficult to qualify for and the benefits are low. It is not advisable to count on Social Security as your exclusive form of coverage.
How do I determine the amount of Disability Insurance I should have?
Most carriers will allow you to purchase up to 55-60% of your adjusted gross income. We recommend that you purchase the maximum amount you qualify for in order to maintain your current standard of living.
What is the difference between Personal and Business Long Term Disability?
Personal disability insurance is designed to protect your personal income stream. Business disability insurance is designed to protect your company in the event that an owner or key person was to become disabled.
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