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Disability insurance provides financial security in the event of an inability to work due to disability or sickness. This coverage typically replaces around 60% of one’s wages, giving them the capability to get by while they are unable to work. We are readily available to help determine which plan is optimal for you.

Having a disability insurance policy is advisable for those who are the primary income earners in any profession. Although they are mostly sought after by service professionals, numerous white collar workers such as dentists, attorneys, surgeons, consultants, engineers, and business owners also have them in order to support their families. Depending on one's circumstances, there are policies for both short-term and long-term disabilities. 


Your financial security and well-being is essential for a successful and happy life, and insurance is one of the best ways to protect yourself and your family. Long-term, short-term, and critical illness insurance are three different types of insurance that can help you secure your future. All three of these insurance options can help you plan for the future and provide peace of mind knowing that you and your loved ones will be taken care of in the event of an unexpected occurrence.

  • Critical Illness Insurance is designed to provide financial protection in the event of a severe illness. A critical illness policy will grant you a one-time payment of up to $75,000 in the event that you are diagnosed with any of the conditions listed, such as cancer, heart attack, or stroke.
  • Long-Term Disability is designed to provide financial security in the event of an unexpected event. If you are rendered incapable of working due to an illness or injury, you can receive direct monthly payments starting in as little as a month's time and continuing until you reach the age of retirement.
  • Short-Term Disability is designed to cover you for a set period of time. With short-term disability, you can receive regular payments that are immediate upon filing a claim and can last up to two years if you are unable to work due to illness or injury.



The majority of long-term disability claims are not work-related and are a result of being sick. Disability insurance is a great option to ensure that you still receive a portion of your salary if you are unable to work due to an illness or disability. It will bring you peace of mind in knowing that you are covered if you ever find yourself in an unexpected situation.

Contact B&W Insurance for a quote or to learn more about our disability policies.


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