Disability Insurance Overview
Think of disability income insurance as protection for your income. What would happen if you were suddenly unable to go to work and didn’t receive your paycheck for three months? What about two years? Could you pay your bills on time and would your family have enough to meet everyday living expenses? Maybe you think this would only happen if you suffered a terrible accident, but that’s not true. Only 10% of disabilities are because of accidents. The other 90% are from illnesses, such as heart disease, cancer, and diabetes.
Your income is the foundation for all your expenses and the beginning of a solid financial plan. Individual disability insurance can provide the income protection you’re missing.
Who Needs Disability Insurance?
Self-Employed Individuals
No sick leave? Secure your finances if illness or injury halts work.
Primary Breadwinner
Family depends on you? Maintain stability when you can’t clock in.
Young Professionals
New career? Guard your future from unexpected setbacks.
High-Risk Occupations
Dangerous work? Shield your paycheck with coverage built for you.
Individual disability insurance is income continuation or replacement income. If you’re injured or become ill, your disability benefit will replace a percentage of your income while you’re unable to work. Income protection insurance pays you so you can pay your mortgage or rent, buy groceries and meet other ongoing living expenses.
Disability Insurance Coverage Options
Short-Term Disability Insurance
Short-Term Disability Insurance
Long-Term Disability Insurance
Long-Term Disability Insurance
Supplemental Disability Insurance
Supplemental Disability Insurance
Why Choose Liberty?
Specialized Expertise
We carefully tailor coverage to your unique disability needs, ensuring personalized protection and peace of mind.
Cost Savings
Our cost-effective plans safeguard your income at fair prices, allowing you to focus on what matters.
Top-Tier Protection
Liberty's partnerships with leading insurance companies assures you the lowest market costs without compromising on coverage
Frequently Asked Questions
Individual disability insurance is income continuation or replacement income. If you’re injured or become ill, your disability benefit will replace a percentage of your income while you’re unable to work. Income protection insurance pays you so you can pay your mortgage or rent, buy groceries and meet other ongoing living expenses.
Disability insurance is a lot like car insurance. Auto insurance is designed to protect your car against damage and could help pay medical bills if you’re injured in a car accident. You pay a monthly fee for this safety net, just like you do for individual disability insurance, which provides protection if you’re unable to work due to an illness or injury. It’s protection for your most important financial resource: your ability to earn an income.
Contact one of our experienced, trusted agents at The Liberty Company today to discuss your current disability insurance needs, explore new coverage options, or ask any questions about protecting your financial security. At The Liberty Company, we put you—and your income—first, tailoring coverage to your unique situation. We’re here to help ensure peace of mind, so you can focus on what truly matters: living life on your terms.
How It Works
We understand that clients have diverse needs. Our strength lies in our ability to consistently provide custom solutions and project management to help guide businesses to make smart insurance decisions. Get covered in just four easy steps!