Skip to main content
#
Give Us A Call...

Disability Insurance

How can I insure against loss of income?

If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income?
 
Disability income insurance, which complements health insurance, can replace lost income. Forty-three percent of all people age 40 will have a long-term (lasting 90 days or more) disability event by age 65.
 

There are three basic ways to replace income:

  • Employer-paid disability insurance  
This is required in most states. Most employers provide some short-term sick leave. Many larger employers provide long-term disability coverage as well, typically with benefits of up to 60 percent of salary lasting from five years to age 65, and in some cases extended for life.
  • Social Security disability benefits  
This can be paid to workers whose disability is expected to last at least 12 months and is so severe that no gainful employment can be performed.
  • Individual disability income insurance policies  
Other limited replacement income is available for workers under some circumstances from workers compensation (if the injury or illness is job-related), auto insurance (if disability results from an auto accident) and the Department of Veterans Affairs.  
 
For most workers, even those with some employer-paid coverage, an individual disability income policy is the best way to ensure adequate income in the event of disability. When you buy a private disability income policy, you can expect to replace from 50% to 70% of income. Insurers won’t replace all your income because they want you to have an incentive to return to work. However, when you pay the premiums yourself, disability benefits are not taxed. (Benefits from employer-paid policies are subject to income tax.)
 
Contact us today to learn more about how we can help you with your disability insurance needs.

Have Questions About What You See In These Videos?
Please contact us.

Disability Insurance
Other Life Products 
Request A Quote 
*
*
Interested In...
 
* indicates a required field
Send To Agent
Please fill this field.
    Contact Us
    A&E Insurance Services
    1111 Town and Country Rd. Suite 29
    Orange, CA 92868
    Email Us

    Hours of Operation:

    Mon-Fri: 8:00am-6:00pm
    Saturday - 10:00am-2:00pm
    Sunday - Closed
     
     
    A&E Insurance Services - Long Beach
    4407 E Los Coyotes Diagonal
    Long Beach, CA 90815
    Phone: 562-408-1800
    Fax: 562-498-2600

    Hours of Operation:

    Mon-Fri: 8:00am-6:00pm
    Saturday - 10:00am-2:00pm
    Sunday - Closed
     
     
     
     
    our facebook page
    Map

     



    Terms & Conditions | Privacy Policy | Accessibility Statement
    ©2018- A&E Insurance Services

    Insurance Websites
    Insurance Website Design

    We use some website cookies to ensure that we give you the best experience. By continuing to use our website you consent to use of cookies.