Your ability to earn is your biggest asset.
If an illness or injury kept you from working for months or years, how would the bills get paid? Blue Ridge Insurance compares individual disability insurance that replaces part of your income when you can’t work.
Most disabilities aren’t from accidents at work.
Workers’ comp only covers injuries on the job. Many long absences come from illnesses and off-the-job injuries that workers’ comp doesn’t touch. Disability insurance pays a monthly benefit, typically a percentage of your income, until you can return to work or the benefit period ends.
Individual policies are especially important for business owners, the self-employed, and anyone whose employer coverage is limited or ends when they leave the job.
Key policy terms
- Monthly benefit amount
- Elimination (waiting) period
- Benefit period
- Own-occupation vs. any-occupation definition
- Cost-of-living and residual riders
Disability coverage we compare
Long-term disability
Benefits that can last years, or to retirement age, after a waiting period.
Short-term disability
Benefits for shorter absences, where available on an individual basis.
Own-occupation coverage
Pays if you can’t do your specific job, even if you could do another.
Partial disability
Benefits when you can work, but at reduced hours or income.
Business overhead
Covers rent, payroll and other business expenses while the owner recovers.
Supplementing group coverage
Fills the gap above what your employer’s plan pays.
Start your disability quote.
Tick Life & Health in the form. Your occupation and income determine what carriers can offer, and we’ll compare several.
- Policy definitions explained plainly
- Options for the self-employed
- Coordinated with group and life coverage
Disability insurance questions
How much of my income can I insure?
I have disability coverage at work. Is that enough?
What is an elimination period?
Protect your paycheck.
We’ll compare disability options from several carriers.