INSURANCE SERVICES

If You Can’t Work, Your Insurance Should

We help individuals and small business owners get affordable income protection—so injury or illness doesn’t put everything on pause.

What’s We Cover

Income Protection for the “What-Ifs” of Life

Disability insurance helps replace part of your income when you’re unable to work due to a qualifying condition. It’s not just for dangerous jobs—it’s for anyone who relies on a paycheck.

  • Short-Term Disability Insurance

    Pays a portion of your income for a limited period—usually up to 3 or 6 months—after a covered illness or injury.

  • Long-Term Disability Insurance

    Designed to cover longer periods—years or even until retirement—if a more serious condition prevents you from returning to work.

  • Self-Employed Disability Insurance

    Flexible plans tailored for freelancers, contractors, and small business owners who don’t receive employer-sponsored benefits.

  • Add-On Options

    • Supplemental coverage for high-income earners
    • Business overhead expense coverage for self-employed
    • Policy upgrades to include partial disability and rehab

Why It Matters

You’ve Insured Your Car & House—But What About Your Income?

Most Americans are just a few missed paychecks away from financial stress. Our job is to help you:

  • Keep bills paid and your lifestyle stable while you recover
  • Choose a benefit period and premium that works for your needs
  • Protect what you’ve worked hard to build, even if you can’t work
A brick chimney is visible through the leaves of a tree in front of a building.
Frequently Asked Questions

Disability Insurance in Pennsylvania

  • Is disability insurance the same as Social Security Disability?

    No. Private disability plans pay faster, are easier to qualify for, and can provide more income than SSDI.

  • Do I need it if I already have savings?

    Savings help, but long recoveries can drain them quickly. Insurance ensures income continues while you preserve your assets.

  • Can I get disability insurance without a medical exam?

    Yes. Some plans offer simplified underwriting, especially for short-term coverage or lower benefit amounts.

  • What’s the waiting period before benefits start?

    You choose. Options typically range from 7 to 90 days. We’ll help you match a waiting period to your risk and budget.

  • Do I need this if I work a desk job?

    Yes—disability can happen from illness as well as injury. Back problems, cancer, and chronic conditions are common claim triggers across all professions.