Like life and health insurance, many people are confused by the options presented by disability insurance. Consider it this way. If you got sick for a couple months, would you or your family need a steady source of income in order to meet your responsibilities. More than a third of Americans between the ages 35 and 65 will become disabled for more than 90 days, according to the American Council of Life Insurers. One in seven workers will be disabled for more than five years. Our Worcester, Massachusetts agency experts will guide you through the best disability policies.

A sensible first place to look is to your employer’s disability group policy. Consider short-term, also known as sick-leave and long term disability. Long term disability begins when short term disability runs out. Individual plans can be expensive – but so are the consequences of not having disability insurance when illness strikes. There are many optional riders to consider too.