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At The Hildreth Agency, we work to provide you with the most suitable coverage for your needs.  This could not be more important than when discussing individual disability coverage.  Your income is your most valuable asset.  Protecting your income allows you to continue to enjoy the things it pays for, such as your home, cars, college education and everyday living expenses.   Individual disability income insurance is the protection you need to help you maintain your lifestyle and protect your family's future if you should become too sick or hurt to work.

When you're healthy and working, it's hard to imagine being disabled by illness or injury.  But it happens.  A few facts about disabilities:

  • One in three working Americans will become disabled for 90 days or more before the age of 65.*
  • The average disability absence is 2 and a half years.*
  • More than 80% of working Americans don't have disability income insurance or aren't covered adequately.**

What would happen if your paychecks suddenly stopped because you were too sick or injured to work?  What if you couldn't work for months or even years?

You would still have monthly bills to pay, including food, utlities, mortgage and car payments.  Add in things like tuition or retirement funding, and your savings can disappear very quickly.

Unfortunately, you cannot rely on other income sources like Social Security to protect you and your family.  You must take your future into your own hands.  Individual disability income insurance will provide monthly income to help maintain your standard of living and help keep your financial dreams and goals for the future intact. 

Our insurance professionals can help evaluate and anaylize your unique situation to create a customized plan to fit your specific needs.  

 *  Commissioner's Individual Disability Table A
** National Underwriter Magazine, May 2001