Your Pennsylvania Insurance Agency
Offering support with Medicare Plans, Annuities, and Life Insurance.
Individuals with hearing or speech disabilities may contact us by dialing 711 to reach Telecommunications Relay Services (TRS).
Mon – Fri: 8:30 am – 4:30 pm
Sat – Sun: Closed
DISABILITY INSURANCE
What is Disability Income Insurance?
Disability Income Insurance is a form of insurance that insures the beneficiary’s earned income against the risk that a disability will make working, and therefore earning money, impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits.
Who Needs Disability Income Insurance?
More than a quarter of today’s 20 year olds will become disabled, according to the Social Security Administration (SSA). It does not have to be a freak injury that prevents you from working – back injuries, cancer, heart disease or other illnesses are the majority of the reasons for long-term absences.
Are you prepared if you can’t work due to a long-term disability? The average long-term disability last 2 1/2 years; do you have the emergency savings to survive that long without an income? If not, you need to make sure you have disability insurance.
Individual Disability Insurance
Individual disability insurance offers multiple options for coverage, and a policy can be tailored to your needs. Since individual disability insurance policies are paid with after tax dollars, you don’t pay taxes on the benefits you receive.
License #515368
We do not offer every plan available in your area. Currently we represent 7 organizations which offer 91 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Insurance Services of Zelienople represents Medicare Advantage [HMO, PPO and PFFS] organizations and stand alone PDP prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.
PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. The purpose of this communication is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company.
Not affiliated with the U. S. government or federal Medicare program. This website is designed to provide general information on Insurance products, including Annuities. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Insurance Services of Zelienople, its affiliated companies, and their licensed sales agents and employees do not give legal or tax advice. Encourage your clients to consult their tax advisor or attorney.