Personal Disability
Expect the unexpectedSomethings are unpredictable, but they can change your life for the worse. Whether it is a short-term or long-term issue, we offer solutions so you can focus on your health.
Insurance that pays a periodic (usually monthly) income benefit, or a lump-sum, to the beneficiary (usually the life insured), provided the life insured meets the policy definition of “disabled’ and is unable to work due to illness or injury.
- Short-term Disability: Coverage that pays and income after seven days of a sickness on the first day, if the disability results in hospitalization or is due to an accident.
- Long-term Disability: Coverage that pays an income usually starting after any weekly indemnity or unemployment insurance disability benefits have run out and continuing to normal retirement age.