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"Disability Insurance", is a form of insurance protection that "insures" an individual's ability to earn income. This protection can be designed for an individual or for a group of people who work in the same office and have a common employer.
Traditional Disability carriers have limitations on the monthly benefits that can be purchased which limits the benefits for high income earners. Benefits will normally cap at $20,000-$25,000 of monthly benefits until you go to the High Limit Disablity markets. High Limit Disability Insurance is designed to keep individual disability benefits at 65% of income regardless of the income level. Coverage is typically issued on top of coverage that is already in force. With High Limit Disability Insurance benefits can be anywhere from an additional $2,000 to $100,000 per month.
Robert J. Gallagher & Associates will demonstrate how to protect your "earned income" in the event of a disability that is caused by sickness or accident.
We offer "guaranteed renewable non-cancelable" policies for individuals and group insurance plans for employers. "Own Occupation" protection is available for certain occupations.
Contact us for more information.
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