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Bradley Insurance Services

Bradley Insurance Services Serving Gastonia, Shelby and Lincolnton, NC

25 years of experience

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Individual Disability Insurance

You are here: Home / Services / Individual Disability Insurance

Disability Insurance provides monthly income replacement in the event the insured person cannot work due to a covered disability. People ages 33-65 have a 33% chance of becoming disabled and over 54 million Americans are disabled.

The main concern when someone is disabled is how they will continue to pay their bills. Mortgage, rent, utilities, food, clothing, school, car payments don’t just go away if you can’t work due to a disability.

Disability policies should be evaluated by the definitions used to describe each benefit, trigger, payment qualifications and situations in which the coverage may apply. There are many considerations such as Benefit Amount, Own Occupation definition, Future Increase options, Social Security, Return of Premium, Cost Of Living Adjustment increases, total vs partial disability, short term vs long term, accident only vs both accident and illness. in addition to plan designs that include Cost of Living or Benefit increase options, benefit amounts, benefit periods, elimination periods, definition of disabled, exclusions, recurrent, residual and presumptive disability.

If you collect some form of Disability from the government, your work or individually purchased plan, amounts may be integrated. There are many rules that can come into play with Disability insurance.

If an employer pays for your Disability insurance premium, benefits may be taxed.

Disability insurance is not a coverage you will want to purchase over the internet. Having the consultation of a professional agent and discussing your individual needs is very important.

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  • Why Life Insurance is Like Your Cell Phone
  • What is Variable Univeral Life?
  • What is Universal Life?
  • What is Whole Life Insurance?
  • What is Term Insurance?
  • What is Indexed Universal Life?
  • What is an Annuity
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Bradley Insurance Services
P.O. Box 201
Kings Mountain, NC 28086
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(704) 477-1331

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