small-business-healthcare

Disability Insurance

Most people think that disability insurance is for individuals who become permanently disabled (ex: lose a limb, etc.). If you are of the same mindset then you may be surprised to learn that most disability insurance claims are actually filed for short-term disability (3 months or less).

In fact, 25% of American workers will become disabled for 3 or more months before they retire! According to the Money Pulse study by Bankrate.com in 2013, it was determined that 77% of Americans had cash-on-hand savings of only 3 months or less. The biggest insurance need for the wealthy is protecting their assets yet most people do not have a policy in place that would help assist in keeping the lifestyle they are accustomed to. Would you be able to meet your financial obligations if you were too ill or injured to work for an extended length of time?

Protect yourself and your financial obligations with Disability Income Insurance.

In the case of injury or illness, disability insurance can be a financial lifeline – whether you are out of commission for a few weeks or more than a year. Beyond replacing income, Disability Insurance can help you pay for disability-related costs that aren’t covered by health insurance. These include specialized medical equipment costs to home-based medical care costs.

Why choose McLean Insurance for your Disability Insurance Needs?

  • Personalized Service – You will be treated as family and not a number. Plus, we are local, active in the community and have a good understanding of disability insurance needs in the local area
  • Trusted Advice – Licensed insurance agents with over 100 years of combined experience in disability insurance work closely with you to determine needs; discuss the right type of coverage for you and help ensure that you won’t end up being under or over insured.
  • Independent Focus – We work with over 50 top life insurers and can help you select the best pricing, coverage, and underwriting for your needs.
  • Thorough approach – We fact-find thoroughly at the beginning of the process in order to ensure that our initial recommendations are realistic and attainable

Already have disability insurance but wondering if it’s adequate? Call us at 703-790-5770 to discuss your your current coverage, needs and situation with a McLean expert.

McLean Insurance specializes in reviewing your overall needs for disability income protection based on your individual situation and making a proper recommendation.  Independently representing multiple top carriers in the market, we can find and customize a plan that meets your needs and fits into your budget.

Request a quote For Disability Insurance

 

Frequently Asked Questions

What is a Disability?

A An illness or injury that affects your ability to complete the normal functions and activities of your current employment. Back to Top

Why do I need Disability Income Protection?

A Everyone has a variety of monthly obligations, such as a mortgage, rent, utilities, or credit card bills. Furthermore, depending on your health insurance status, a disabling injury or illness could lead to significant medical bills and other expenses that can add up sharply. If you’re unable to work or complete all of the obligations of your job for an extended period of time, you will most certainly experience a loss of income (partial or total) as a result. Back to Top