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Disability Income:
Disability income insurance helps replace a working person's income when he/she experiences a reduction or loss of income due to a covered sickness or injury.

Because Social Security and Workers' Compensation provide benefits only under specified circumstances, many people need additional protection in the form of individually owned disability policies. Many employers offer disability insurance to their employees, but if employer-sponsored disability benefits are not available or are not adequate, a personal policy may be necessary or desirable.

There are three classifications of individually owned disability policies: individual, mortgage, and business.
  • The individual disability policy provides a benefit to replace lost income up to the policy limits when the insured is unable to work due to a covered sickness or injury.
  • Mortgage disability provides a benefit to pay insured loan payments according to policy provisions when the borrower experiences a loss of income due to a covered sickness or injury.
  • Business overhead expense policies are designed to cover insured overhead expenses such as rent, employees' salaries and utilities within the terms and limits of the policy when the business owner or business partner is unable to work due to a covered sickness or injury.
Advantages of owning an individual disability income insurance policy are that eligibility for benefits is not contingent upon receipt of benefits under Social Security, and payments are not subject to certain restrictions that exist for Social Security eligibility. For example, Social Security requires a five month waiting period during which no benefits are payable, and no Social Security benefits are paid when it is clear that disability will last less than 12 months. Finally, the definition of "disability" under Social Security suggests the possibility that some disabilities may not be covered because disability is defined as the inability to engage in any occupation.

Individually owned disability insurance policies are an ideal way to provide benefits when you do not qualify for disability benefits under Social Security or Workers' Compensation. We can plan ahead to help protect your lifestyle with a quality insurance policies that

  • Provide monthly income to help maintain your standard of living
  • Can be customized to fit your particular situation
  • Help you retain independence and dignity without burdening others
  • Help keep your financial dreams and goals for the future intact

Let the qualified agents of Horizon Coast Insurance and Financial Services, LLC help you choose a right disability insurance policy. Please ensure you complete the quotation form as accurately as possible in order to ensure the best possible estimate. If you would rather speak to one of our representatives, Please Call (732) 521-3040 or e-mail: to setup a confidential consultation.

Completion of this form is for informational purposes only, and is just an estimate and is not a statement of contract. Coverage may not apply in all states. This WILL NOT result in a new policy, or change to an existing policy. For complete details of coverage, conditions, limits and losses not covered, be sure to read the policy, including all endorsements
   General Information
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   Personal Information
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   Current Disability Information
Do you have group disability through your employer?
Do you currently have any type of disability insurance?

If so, how much do you have?

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