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Your ability to earn a living is one of your most valuable assets. If you become too sick or injured to work, disability insurance from In-Touch Insurance helps replace a portion of your income so you can continue paying bills and protecting your lifestyle.
Disability is more common than most people realize — about 1 in 4 working adults may face a disability before retirement. Most of these cases don’t come from workplace injuries, so they aren’t covered by workers’ compensation. That’s why having a personal plan matters.
Whether you’re self-employed or want to supplement your work coverage, an individual long-term disability plan helps protect the lifestyle you’ve built.
Show your employees you care by offering short-term, long-term, and paid family leave disability coverages. Group disability plans can be seamlessly integrated with other employee benefits.
Any working adult who relies on their income should consider it. Disabilities can result from illness, injury, or pregnancy, and having coverage protects your financial security.
Yes! Individual disability policies are designed for self-employed or freelance professionals to ensure income protection.
It depends on how premiums are paid. If you pay premiums with after-tax dollars, the benefits you receive are usually tax-free.
Consider your monthly expenses and income needs. Most workplace short-term plans cover 40–60% of your salary, but supplemental coverage or individual policies may be needed for full protection.
While disability insurance primarily protects your income, it helps maintain your family’s lifestyle and financial stability during your absence.
our ability to earn a living is one of your most valuable assets. Disability insurance from In-Touch Insurance helps replace a portion of your income if illness, injury, or unexpected events prevent you from working — giving you and your family financial security and peace of mind.
No one plans to get sick or injured — but planning for it ensures you and your family are financially secure. Disability insurance is about more than income; it’s about peace of mind.