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Ken Hein Insurance Agency
78 Glenwood Avenue
Queensbury, NY 12804
518.761.6781   FAX.615.0020
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Disability Insurance

Whether we like it or not, the unexpected happens. Did you know there’s a 1 in 3 chance that you’ll get hurt or sick and be unable to work? The good news is that you can plan for it now. Disability insurance protects financial security and can help you:

  • Have enough money to cover bills
  • Support your family
  • Protect your hard-earned savings

Why it makes sense

Your income gives you what you need to cover bills, keep a roof over your head and provide for your family. But what if one day you got sick or injured and couldn’t work? How long could you afford life without a paycheck?

If you’re like the rest of us, you probably don’t have much cushion for the unexpected. That’s why there’s disability income insurance. It helps you make ends meet if you get hurt or sick and can’t earn your regular paycheck. So you and your family can still live life as usual until you’re back at work.

This disability income insurance works in conjunction with any other insurance you have individually or through your employer. You can use this policy on its own or to cover you where your other policies leave off.

Disability Insurance Might Be Right For You If:

  • A few weeks off work would make it hard to keep up with bills
  • You have regular debts – like credit cards, a car payment, mortgage or other loans
  • Your savings is small or earmarked for other goals
  • You couldn’t afford the extra costs of a disability – like deductibles, medicine, in-home care, transportation, child care or extra help around the house
  • Your family and friends can’t pitch in what you need – especially over time
  • You’ve got other policies, but they won’t cover all your expenses
  • You don’t have coverage for injuries or illnesses that happen away from work

What You Get

Disability insurance can give you a source of income when you’re unable to work in your own occupation because of an injury or illness. Your own occupation is your job at the time of a disability. You can pick the policy details and amounts that work best for your budget and cost of living needs.

  • You choose the monthly payment amount.
  • Benefit period choice of 2 years, 5 years or to age 65
  • Your choice of time periods (elimination periods) that must pass before benefits start: 30, 60, 90, 180 or 365 days
  • Affordable rates, premiums subject to change by class; guaranteed renewable until you turn 65
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