Disability Insurance

Disability Solutions from Tri-State Insurance Agency

People regularly purchase insurance such as homeowners, auto, or life for protection against major perils, recognizing the value of what’s insured against the potential for risk. What they don’t realize is that disability insurance deserves to be on the list of necessary coverage as well. That’s because approximately one third of U.S. workers will suffer a disabling injury or illness in the course of their career. And if the disability stems from an event that is not work-related and covered by insurance, your ability to earn an income grinds to a halt.

Should the unthinkable happen, don’t rely on Social Security or other government benefit to step in. These benefits are limited and qualifying for them is a difficult and time-consuming process. Even if you are approved, the amount you receive (roughly $700 to just over $1,000 depending on your marital status) may not be nearly enough to cover your expenses.

This is why disability insurance is so important. It provides income protection that allows you to cover your normal living expenses, out-of-pocket medical costs, and more. Coverage can be tailored to match your preferences—that is, purchased on a short- or long-term basis, provide protection from inflation, assist with paying for rehabilitative therapies, or correspond to your professional needs.

We review the facts of your life to determine your needs.

The professionals at Tri-State Insurance Agency will devise a disability insurance program that takes your assets and budget into account, and reflect your general health, age, lifestyle, and profession. You can specify how long a waiting period applies and make other coverage selections as well. The income protection that disability insurance provides makes this coverage suitable for people in all walks of life, yet those who don’t have group insurance (think independent contractors and sole proprietors, for example) may find the coverage particularly attractive.

Throughout Pennsylvania, northern New Jersey, New York and surrounding environs, let Tri-State Insurance Agency serve as the go-to professional for your comprehensive personal insurance needs. For a free consultation and quote, we invite you to call us toll-free at 888.990.0526, email us or complete the form on this page.