What would happen to you and your family if a disability kept you from working? What if you accrued high medical bills to treat a disability? Would you be able to pay those bills and still cover your mortgage and car payment? With disability insurance from Pufalt-Pauley Insurance Agency, you can rest assured that the bills will still be paid if you have to quit work due to a disability.
In a 2013 report on disability in our country, the U.S. Bureau of Labor Statistics noted that over 40 percent of Americans become disabled for at least 90 days in a row prior to retirement. (Source: http://www.bls.gov/news.release/disabl.nr0.htm) Few Americans have sufficient savings or other resources to help them navigate extended unpaid leave from a job, and few employers today provide extended paid leave for disabilities. Even if you are able to return to work following a disability, your personal finances are likely to take a heavy hit.
Pufalt-Pauley Insurance Agency offers several disability insurance options to help in the event that you become disabled. We work both with individuals and employers to provide a full range of disability insurance products. For employers, we provide workers compensation insurance as well as optional group disability benefits. Disability benefits are also available as individual coverage options.
Disability income insurance provides income replacement paid monthly in the event of a covered disability.
Mortgage disability income insurance offers consumers a way to make mortgage payments in the event of a covered disability.
Individual credit disability insurance assists customers with loan repayment in the event of total disability.
As with most types of insurance we offer, disability insurance is available with a variety of customizable policy options. Our agents will work with you to find coverage options that best suit your individual risks. We can combine the insurance options listed above into packages designed to sufficiently protect your family and your home should you become disabled. We even have options for setting and extending limits in order to protect your way of life.
Learn more by filling out our simple electronic information form. To speak with an insurance professional, call our office during business hours.