Disability Insurance

Hometown Insurance’s expertise and personalized approach to Disability Income has allowed for new solutions and services unseen in the insurance industry.

Also consider the fact that illness causes 90% of disabilities, and most long-term disabilities are not covered by workers’ compensation. You could be financially vulnerable if you were to suffer from a disability.

It’s important to protect your most valuable financial resource – your ability to earn an income. Here are some questions to think about as you consider the need for disability insurance:

  • What is your most valuable financial resource? (What is it worth? Is it protected?)
  • If you no longer received a paycheck, what sources would you tap into to pay your bills?
  • How long could you survive without your income?
  • What do you think your chances are of becoming disabled?

“Statistically, over one in four of today’s 20 year olds will experience a long term disability before they retire. Yet according to the Social Security Administration, 69 percent of private sector wage earners have no private long term disability insurance.”

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