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Disability Insurance

Whether it’s supporting your daily living expenses today or funding your retirement savings for tomorrow, your ability to earn an income is your most important financial asset.

A loss of income from a disability isn't just a threat to your current lifestyle; it's a threat to your retirement dreams.

If disability prevents you from working, your retirement will be endangered two ways:

  • Decreased savings. A loss of income would make it difficult to continue building your retirement savings.
  • Eroding assets. Without another source of income, disability may cause you to deplete your savings to make ends meet.

That's why it's important to safeguard your earnings with disability insurance. It is designed to replace a portion of your income. So that you'll have an incentive to return to work, it usually isn't possible to insure all of your income.

Disability coverage comes in two major forms:

  • Short-term disability insurance, which is designed to cover a period of weeks or months.
  • Long-term disability insurance, which can last for several years or even until age 65.

You should place the highest priority on covering long-term disabilities, since they pose a greater threat to your financial well-being.

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Hear what our customer have to say

"It has been my good fortune to meet Ron Dutton and for him to assist me in the ever growing convoluted health insurance field. I had been with a large firm for many years, having retired over 20 years ago. My health insurance was covered every year by that company, but at ever increasing cost. Finally this year, they simply got out of it and left many of us hanging. The options available were much more expensive and offered less coverage. Ron came to the rescue. He worked out an alternative plan that extends excellent coverage, especially the drug coverage. My own calculations show that he is saving me close to $2,200.00 a year. It is a pleasure to provide this testimonial."
Dick Freeman
Alpharetta, GA