Disability Insurance provides a monthly income in the event you become unable to work, due to an injury, illness or accident.
Your earning power is your most valuable asset. If your income suddenly stopped because of an illness or a disability, where would the money come from?
That's why this type of coverage is especially important for the self-employed and for those who do not have a group disability plan through their employer.
Many people aren't sure about what type of disability insurance they have in place. A good place to start is to get a copy of your employee benefits booklet and bank policy if applicable. Keep in mind that government disability plans are very limited in scope and coverage amounts.
Pricing for disability insurance is based on several factors, including your age, gender, smoking status, amount and type of coverage selected, and your occupation.
For businesses with two or more employees in a class to be insured (ie: managers, or executives), a wage loss replacement plan or group plan with deductible premiums can be arranged.
Here are monthly Term 10 Life Insurance rates for a healthy, non-smoker as of Mar 2013:
For a free personalized insurance quote, click here.
"Rachel is professional, courteous and very knowledgeable while providing outstanding customer service. She is well prepared, delivers personal service, and understands our desire to provide the best possible benefit plan to our employees in the most cost effective manner."
"I appreciate having a person who is both local and accessible, and was impressed with the initial presentation outlining the options available to us. It is extremely helpful to have Rachel advocating on our behalf."
"True Benefits has totally met our needs. Rachel gives personalized attention, and is very thorough. She has suggested many good ideas that we have used to benefit our employees."
"I have referred many clients to Rachel in the past, and without exception, they have all commented to me on her professionalism, vast industry knowledge, great service, and fast response time."
Thank you for everything that you have done for our family. We are grateful for all your hard work. We look forward to working with you again in the future.
"True Benefits has an understanding and awareness of the importance of an effective benefits program. They're proactive in looking for cost effective improvements to plan design and cost containment strategies. My expectations were exceeded - Rachel delivered as promised in a timely manner."
"Thank you Rachel. Great service as always. You anticipated our needs."
I used True Benefits to sort through a tricky health insurance issue related to immigration status and an expired work permit. Rachel recommended a cost effective solution and quickly verified the policy was the best choice for my situation. My new health coverage was effective within 2 hours of my initial call to Rachel! I highly recommend working with Rachel at True Benefits for cost effective solutions and friendly and efficient service.
Your attention to detail and willingness to never to never take "no" for an answer on my behalf left me in awe of your business ethics.
I will continue to use your services, based on your work ethic and my ability to trust that the policy you are suggesting is perfect for me.
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