Disability / Long Term Care
Disability and Long-Term Care Insurance ensure you and your family remain financially secure if illness, injury, or age-related limitations affect your ability to work or care for yourself. These plans provide essential income and support during life’s most challenging moments.
Why Choose Disability & Long-Term Care Coverage?
✔ Income Replacement During Disability
Receive a steady income if you’re unable to work due to injury or illness.
✔ Covers Care Needs Not Paid by Traditional Health Insurance
Supports costs for home care, assisted living, personal care, or nursing facilities.
✔ Protects Your Savings and Assets
Prevents long-term care expenses from draining your retirement or family resources.
✔ Flexible Use of Benefits
Use funds for medical care, caregiving, accessibility modifications, and more.
✔ Provides Long-Term Financial Security
Ensures your lifestyle and independence are maintained even during extended health challenges.
Types of Disability & Long-Term Care Coverage
1. Short-Term Disability Insurance
Replaces a portion of your income for temporary disabilities lasting weeks to months.
2. Long-Term Disability Insurance
Provides ongoing income if you suffer a severe or long-lasting condition that prevents you from working.
3. Long-Term Care Insurance
Covers the cost of extended care services—at home or in a facility—when you can’t perform daily activities independently.
4. Hybrid Long-Term Care & Life Insurance
Combines long-term care benefits with life insurance protection for dual-purpose coverage.