Contact Us: ​(212) 689-5566
Fred Warner Assoc.
  • Home
  • Strategies
    • Life >
      • WL Retirement Plan
      • Home Equity Transfer
      • Business Equity Transfer
      • Pension Maximization
      • Life Settlement
    • Health >
      • Health Savings Account
    • Annuities >
      • Roth Annuity
      • Split Annuity
      • IRA/RMD Conversion
      • CD To Annuity
      • Cash Balance Plan
      • Qualifying Longevity Annuity Contract” (QLAC)
    • Medicare >
      • Medicare Savings Account
      • Medicare Supplement
      • Medicare Prescription Drug Plans
      • High Deductible Medicare Supplement
    • Social Security
    • Retirement >
      • Lifetime Income Guarantee
      • IRA/RMD Conversion
      • Tax Free Retirement Income - 1
      • Tax Free Retirement Income - 2
      • Pension Maximization
      • Three Generation IRA
  • Products
    • Life >
      • Family Term Coverage
      • Mortgage Protection
      • Business Overhead
      • College Funding
      • UL - Living Benefits
      • IUL Retirement Plan
      • Key Person
    • Travel Medical Insurance
    • Health >
      • Individual Health Insurance
      • Small Group Health Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Disability Insurance
      • Professional Disability
      • Critical Illness
    • Annuities >
      • Type of Annuities
      • Income Annuity
      • LIfetime Withdrawal Guarantee
      • Longetivity Annuity
    • Medicare >
      • Find A Doctor
      • What is Medicare?
      • Medicare Supplement
      • Medicare Advantage
      • Medicare Savings Account
      • Medicare Part D
    • Estate Planning >
      • Living Trust
      • Life Settlements
      • LTC Life
      • One Pay Life
      • Special Needs Trust
      • IUL Cash Reserve
  • Quotes
    • Save With Discount Healthcare
    • Travel Medical Insurance Quote
    • Health Insurance >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Disability Insurance Quote
      • Long Term Care Insurance Quote
    • Dental Insurance Quote >
      • DentalPlans.com
      • Dental for Everyone
      • Spirit Dental
    • Vision Insurance Quote
    • Life Insurance >
      • Term Insurance
      • Final Expense Insurance Quote
      • Whole Life Insurance
      • Universal Life Insurance
      • Life Settlements
      • Living Benefits
    • Medicare >
      • Medicare Supplement Coverage Quote
      • Medicare Advantage Plan Quote
    • Annuties >
      • Annuity Quotes
    • Group Benefits >
      • Health Insurance
      • Life Insurance
      • Disability Insurance
      • Dental Insurance
      • Vision Insurance
    • Identity Theft Plans >
      • Identity Protection
      • Identity Theft Plan Enrollment Center
    • Tools >
      • Retirement Calculator
      • Life Insurance Needs Planner
      • Life Insurance Needs Calculator
  • Solutions
    • Individuals and Couples
    • Parents of Children Under 18
    • People Over 55
    • Small Business Owners
    • Corporate Executives
    • Private Practice Individuals
  • About
    • Welcome
    • Client Testimonials
    • Refer a Friend
    • Memberships
    • Insurance Carriers
    • Blog
    • Newsletter Signup
    • Insurance Information
  • Contact
  • Home
  • Strategies
    • Life >
      • WL Retirement Plan
      • Home Equity Transfer
      • Business Equity Transfer
      • Pension Maximization
      • Life Settlement
    • Health >
      • Health Savings Account
    • Annuities >
      • Roth Annuity
      • Split Annuity
      • IRA/RMD Conversion
      • CD To Annuity
      • Cash Balance Plan
      • Qualifying Longevity Annuity Contract” (QLAC)
    • Medicare >
      • Medicare Savings Account
      • Medicare Supplement
      • Medicare Prescription Drug Plans
      • High Deductible Medicare Supplement
    • Social Security
    • Retirement >
      • Lifetime Income Guarantee
      • IRA/RMD Conversion
      • Tax Free Retirement Income - 1
      • Tax Free Retirement Income - 2
      • Pension Maximization
      • Three Generation IRA
  • Products
    • Life >
      • Family Term Coverage
      • Mortgage Protection
      • Business Overhead
      • College Funding
      • UL - Living Benefits
      • IUL Retirement Plan
      • Key Person
    • Travel Medical Insurance
    • Health >
      • Individual Health Insurance
      • Small Group Health Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Disability Insurance
      • Professional Disability
      • Critical Illness
    • Annuities >
      • Type of Annuities
      • Income Annuity
      • LIfetime Withdrawal Guarantee
      • Longetivity Annuity
    • Medicare >
      • Find A Doctor
      • What is Medicare?
      • Medicare Supplement
      • Medicare Advantage
      • Medicare Savings Account
      • Medicare Part D
    • Estate Planning >
      • Living Trust
      • Life Settlements
      • LTC Life
      • One Pay Life
      • Special Needs Trust
      • IUL Cash Reserve
  • Quotes
    • Save With Discount Healthcare
    • Travel Medical Insurance Quote
    • Health Insurance >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Disability Insurance Quote
      • Long Term Care Insurance Quote
    • Dental Insurance Quote >
      • DentalPlans.com
      • Dental for Everyone
      • Spirit Dental
    • Vision Insurance Quote
    • Life Insurance >
      • Term Insurance
      • Final Expense Insurance Quote
      • Whole Life Insurance
      • Universal Life Insurance
      • Life Settlements
      • Living Benefits
    • Medicare >
      • Medicare Supplement Coverage Quote
      • Medicare Advantage Plan Quote
    • Annuties >
      • Annuity Quotes
    • Group Benefits >
      • Health Insurance
      • Life Insurance
      • Disability Insurance
      • Dental Insurance
      • Vision Insurance
    • Identity Theft Plans >
      • Identity Protection
      • Identity Theft Plan Enrollment Center
    • Tools >
      • Retirement Calculator
      • Life Insurance Needs Planner
      • Life Insurance Needs Calculator
  • Solutions
    • Individuals and Couples
    • Parents of Children Under 18
    • People Over 55
    • Small Business Owners
    • Corporate Executives
    • Private Practice Individuals
  • About
    • Welcome
    • Client Testimonials
    • Refer a Friend
    • Memberships
    • Insurance Carriers
    • Blog
    • Newsletter Signup
    • Insurance Information
  • Contact

Disability Insurance

Did you know more than 1 in 4 people today will become disabled at some point before retirement? It only takes a few minutes to find out how we can protect your future.
Get A Quote
Contact Us

What is Disability Insurance?

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. 

For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD).

Statistics show that in the US a disabling accident occurs on average once every second. In fact, Nearly 18.5% of Americans are currently living with a Disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.

Types of Disability Insurance

Individual Disability Insurance - Those whose employers do not provide benefits, and self-employed individuals who desire disability coverage, may purchase policies. Premiums and available benefits for individual coverage vary considerably between companies, occupations, states and countries. In general, premiums are higher for policies that provide more monthly benefits, offer benefits for longer periods of time, and start payments of benefits more quickly following a disability claim. Premiums also tend to be higher for policies that define disability in broader terms, meaning the policy would pay benefits in a wider variety of circumstances.

High-limit Disability Insurance - High-limit disability insurance is designed to keep individual disability benefits at 65% of income regardless of income level. Coverage is typically issued supplemental to standard coverage. With high-limit disability insurance, benefits can be anywhere from an additional $2,000 to $100,000 per month. Single policy issue and participation (individual or group long-term disability) coverage has gone up to $30,000 with some companies.

Key-person Disability Insurance -  Key Person Disability Insurance provides benefits to protect a company from financial hardship that may result from the loss of a key employee due to disability. The company can use the benefits to hire a temporary employee should the disabled employee's disability appear to be short-term. In the case of permanent disability, benefits are used to help defray costs related to hiring a replacement, including recruitment, training, startup, loss in revenue and unfunded salary continuation costs.

Business Overhead Expense Disability Insurance - Business Overhead Expense (BOE) coverage reimburses a business for overhead expenses should the owner experience a disability. Eligible benefits include: rent or mortgage payments, utilities, leasing costs, laundry/maintenance, accounting/billing and collection service fees, business insurance premiums, employee salaries, employee benefits, property tax, and other regular monthly expenses.

Contact us to learn more about the disability insurance coverage for you.
(212) 689-5566​
380 Lexington Avenue 17Fl
New York, NY 10168​
Click Here to Email Us
Disability Insurance Quote
Get a quote for disability insurance
Licensed in New York, California, Connecticut, Florida, Nevada and  New Jersey

Navigation

Homepage
Insurance Quotes
Insurance Products
Contact Us
Agent Login

Social Media

Share this page

Contact Us

Fred Warner Assoc.
380 Lexington Avenue 17Fl
New York, NY 10168
(212) 689-5566​
Click Here to Email Us

Location

Website by InsuranceSplash