Disability Income

Why do you need Disability Insurance?

• What if illness or injury made it impossible for you to work?
• How long would your savings last?
• Would your spouse’s or partner’s income be sufficient to make up the shortfall?
• What lifestyle changes would you or your family need to make?
• What about your dreams for the future – college for your children, travel, a comfortable retirement?
• What would happen to your credit rating?
• Your personal assets won’t cover you for long.
• Social Security is difficult to collect.
• Workman’s Compensation only covers on the job accidents.
• Employer provided Long-Term Disability rarely offers the high quality benefits that most physicians would like to have.

What you should look for in a disability policy:

• A “your specialty” definition of total disability.
• A partial or residual benefit.
• Guaranteed premiums.
• Non-cancellable by the insurance company.
• Full mental/nervous coverage.
• Competitive rates.
• Portable regardless of where you live or work.
• Service by an independent broker.

To obtain a quote for disability insurance, please click the button.  Or email or call us at (412) 341-1291.  Quotes take approximately one business day.