Disability & Accidental Supplemental Insurance
Understanding Disability Insurance
Disability income insurance helps replace some of your earnings when you are too injured or ill to work. Supplemental Disability and Accident insurance policies work together to fill financial gaps by paying cash benefits directly to you — not the hospital. Use the money for anything you need.
Disability Insurance
Your income and earnings potential are important. Think of disability income insurance as protection for your paycheck. If you're unable to work, disability income insurance can help you avoid using funds from your retirement accounts and savings. If a doctor confirms you cannot work due to a covered illness, surgery, or off-the-job injury, this policy replaces a portion of your monthly income.
Get Your Free Quote Today!Income Replacement
Replaces a portion of your monthly income when you cannot work due to illness or injury.
How It Works
If a doctor confirms you cannot work due to a covered illness, surgery, or off-the-job injury, the policy pays you monthly.
Best For
Keeping your household running by covering rent, utilities, and daily living expenses while you recover.
Retirement Protection
Avoid dipping into your retirement accounts and savings during a disability.
Accidental Supplemental Insurance
High health insurance deductibles can make an unexpected injury financially devastating. Accidental insurance provides a cash payout directly to you following a covered accident — such as a fracture, concussion, or emergency room visit. Use the cash to bridge your health plan's deductible, pay for childcare while you recover, or cover everyday bills. It is an affordable, zero-deductible way to safeguard your family's savings.
How It Works
If you get hurt, the policy pays you a lump-sum cash benefit based on your injury and treatment.
Best For
Covering high health insurance deductibles, emergency room copays, and urgent care bills.
Zero Deductible
An affordable, zero-deductible way to safeguard your family's savings from sudden injuries.
Covered Events
Fractures, concussions, burns, emergency room visits, and other covered accidents.
Frequently Asked Questions
What is the difference between disability and accidental insurance?
Disability insurance replaces a portion of your income when illness or injury prevents you from working. Accidental supplemental insurance pays a lump-sum cash benefit for specific injuries like fractures or concussions, helping cover deductibles and out-of-pocket costs.
Does disability insurance cover off-the-job injuries?
Yes. Our disability policies cover off-the-job injuries as well as illnesses and surgeries that prevent you from working, as confirmed by a licensed physician.
How quickly are benefits paid?
Benefits are paid directly to you — not to your doctors or hospital — so you can use the money for any expense. Payment timelines vary by policy, but our team will walk you through exactly what to expect.
Ready to Get Protected?
Our experienced agents are ready to help you find the right coverage at the best price. Contact us today for a free, no-obligation quote.