Disability Insurance
Protect your most valuable asset.
WHAT IS DISABILITY INSURANCE?
Your ability to earn a living and contribute to your household is likely your most valuable asset. Disability insurance replaces a portion of your income—or helps cover the cost of household services for stay-at-home-parents—should illness or injury prevent you from doing your job. We can help protect your income, and your family, with a disability insurance policy that’s right for you.
1 out of 4 employees will be disabled for three months or more at some point during
their career.
Why do I need it?
Disability insurance lets you close the gap between what’s covered by your employer’s group policy and what you need to maintain your lifestyle. Even if
you have group disability insurance through work, most group plans:
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Only cover a portion of your income (typically 50-60%)
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Deliver benefits often subject to income tax
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End when you leave the company
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Offer short-term benefits (typically only 6-24 months)
For people in careers that took years of study – Accountants, doctors, dentists, lawyers, and medical students – disability insurance is especially important because you're not just protecting your income. You're protecting the investment you've made in your career. Our team can help you choose a policy specifically tailored to those in highly compensated fields.
Affordable coverage – for less than the cost of a daily cup of coffee, your monthly disability insurance premium can help you protect your family.
Now covering more people – Disability insurance is now more inclusive than ever. It now includes coverage offerings for stay-at-home parents and part-time employees. Even if you didn’t get coverage with us in the past, it’s a great time to take another look.
Making people feel secure about their money is our highest priority. Our team will work with you to create a flexible financial plan designed to get you to achieve your goals and objectives.
CONTACT US
New Hampshire Financial Services, LLC
83 Clinton St
Concord, NH 03301