Disability Insurance
Income protection when life takes an unexpected turn.
If an illness or injury keeps you from working, how would you cover everyday expenses like housing, groceries, or bills? That’s what disability insurance is designed to help with—it provides income replacement when you can’t earn a paycheck due to a qualifying medical condition.
At BCI Insured, we help you understand how disability insurance works, who it’s right for, and which types of policies may suit your lifestyle—all with
no cost and no pressure.
What Is Disability Insurance?
Disability insurance is a supplemental policy that may pay you a portion of your income if you’re unable to work because of an illness or injury. Coverage typically applies to both short-term and long-term disabilities, depending on the policy you choose.
Some examples of qualifying situations might include:
Recovery from surgery or a serious accident
Debilitating illnesses or chronic conditions
Extended medical leave for physical or mental health reasons
Every policy is different, so we’ll help you understand what’s covered and how benefits are triggered.
Why Consider Disability Insurance?
Even if you’re healthy now, life can change quickly—and most people don’t have enough savings to cover months or years of missed income.
Clients choose disability coverage to help with:
Maintaining household income during medical recovery
Adding income security without changing health insurance
Protecting family goals or long-term plans
Reducing financial stress if unable to work
Whether you’re self-employed, the primary earner in your family, or just planning ahead, we’ll help you explore if this coverage fits your needs.
Who Needs Disability Insurance?
Disability insurance is often a smart option for:
- Self-employed professionals or business owners
- Pre-retirees not yet eligible for Social Security or Medicare
- Younger workers wanting long-term protection
- Individuals who don’t have employer-sponsored disability benefits
- Anyone whose income supports other people or fixed expenses
We’ll help you assess whether the benefit is worth the cost based on your life, not a sales target.
How BCI Insured Helps You Compare Disability Plans
- We explain how disability insurance works (without jargon)
- Compare
short-term vs long-term options
- Clarify
waiting periods, exclusions, and benefit length
- Help you coordinate with other coverage you may have
- Guide you through the application process
And as always, our advice is free, friendly, and pressure-free.
FAQs About Disability Insurance
Is disability insurance the same as Social Security Disability?
No. Social Security Disability is a government benefit that can take months to qualify for and has strict requirements. Private disability insurance is more flexible and can begin much sooner.
Can I apply if I’m self-employed?
Yes. Many policies are designed for freelancers, consultants, or small business owners. We’ll show you your options.
How long do benefits last?
It depends on your policy—some cover a few months, others offer coverage for years. We’ll help you pick what fits your situation.
Will I need a medical exam?
Sometimes. It depends on your age, health, and the benefit amount. We’ll walk you through the requirements.
Let’s Talk About Income Protection That Fits Your Life
If missing a paycheck would impact your peace of mind, disability insurance might be worth a look. We’ll help you understand your options and choose the right fit—without any pressure.
Have a question?