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Group Disability Insurance

Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.

Group Disability Insurance

Don't let an injury or illness leave you in financial distress - disability insurance can be the safety net you need.
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Disability Insurance

Group Disability insurance is an essential type of coverage that provides financial protection to individuals who cannot work due to an injury or illness.

At our insurance agency, we offer a variety of disability insurance solutions to meet the unique needs of our clients.

Types of Disability Insurance

Provides coverage for a limited period, usually up to 6 months.
Typically covers up to 60-70% of your income.
Offers a waiting period of 0-14 days before benefits start.
Provides coverage for a more extended period, usually up to 2-5 years or until retirement age.
Typically covers up to 50-70% of your income.

Offers a waiting period of 30-90 days before benefits start.

Disability insurance offers several benefits for individuals unable to work due to an injury or illness. Here are some reasons why you should consider disability insurance:

  • Financial Protection: Disability insurance provides financial protection to individuals who cannot work, ensuring that they can continue to pay their bills and support their families during difficult times.
  • Peace of Mind: With disability insurance in place, individuals can know they are protected in the event of an unexpected injury or illness.
  • Flexibility: Disability insurance policies can be customized to meet the unique needs of each individual, ensuring that they have the right level of coverage in place.
  • Compliance with Employer Requirements: Many employers offer disability insurance as part of their benefits package, making it an essential component of your overall compensation.

Our Disability Insurance Policies

Our insurance agency offers a range of disability insurance policies to meet the unique needs of our clients. Here's what you can expect from our policies:

  • Customized Coverage: We work with our clients to tailor their disability insurance policy to meet their specific needs, ensuring they have the right level of coverage in place.
  • Competitive Rates: Our disability insurance policies offer competitive rates, allowing our clients to get the coverage they need at an affordable price.
  • Exceptional Customer Service: Our team of experienced insurance professionals is dedicated to providing exceptional customer service, from helping clients choose the right policy to assist with claims.

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Recruitment & Retention
Employees & Families
Product Customization
Potentially Portable
Tax deductible premiums

Recruitment & Retention Coverage

Risk Factors

It is essential for small businesses to offer comprehensive benefit packages if they want to stay competitive with other employers within their industry.

Solution

Disability insurance can be offered to compete for top talent and contribute to employee satisfaction with these valuable workplace benefits.

Employees & Families Coverage

Risk Factors

When an employee gets disabled due to an accident or a disease, they may keep thinking about the medical expenses and lose their peace of mind.

Solution

It replaces some or all employees' income during disability to keep them focused on recovery and returning to work.

Product Customization Coverage

Risk Factors

Every employee has their own needs and requirements. Hence, it is always advisable to customize the benefits to protect every employee.

Solution

In many places, the employer can design a plan that meets the needs of their business as well as their employees. For example, choosing elimination periods, benefit durations, partial disability benefits, return to work benefits, administration services, and more.

Potentially Portable Coverage

Risk Factors

Employees may constantly worry about the benefits while changing their jobs/employers.

Solution

Depending on the plan design, covered employees may be able to take their coverage with them if they leave the company.

Tax Deductible Premiums Coverage

Risk Factors

Businesses are always concerned about how much tax they should pay.

Solution

You can take pre-tax company-paid premiums as a business tax deduction.

If you're interested in learning more about Group disability insurance or want a quote, please don't hesitate to contact us. Our team is here to help you protect your financial future and provide peace of mind during difficult times.

Contact Us

James L. Smith Insurance Agency, Inc.

We extend coverage to individuals and businesses in 
304 Cochran Road Pittsburgh, PA 1522 and surrounding areas.
412-531-3111info@jlsins.net
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