Individual Short & Long Term Disability Insurance

INDIVIDUAL DISABILITY INSURANCE

Individual disability insurance is a private policy that you buy on your own. That means you pay for the policy, you own it, and if you ever have a disability it will cover a portion of your lost salary. Unlike a group plan through work, individual disability insurance is portable, which means you keep it even if you change jobs, and the benefit is typically tax free.

If you’re self-employed or don’t have disability insurance at work, an individual policy can cover you. In addition, if your work benefit only covers a portion of your income, you can use an individual policy to supplement the rest.

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Some Individual Insurance Companies are:(Google each company for information)

-Aflac

-Standard Insurance Company 

-Mutual of Omaha

-The Guardian Life Insurance Company of America 


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