Disability Insurance

Get financial support so you can focus on recovery. Help protect a portion of your income with disability insurance. No one expects to get sick or injured, especially in their prime. However, life can change in an instant. When the unexpected becomes reality, US Grant Insurance Agency can help you have income protection and peace of mind.

Income protection in times of need.

Maintain your livelihood and lifestyle with disability insurance

You have insurance for your house, car and health, but if you’re like many Americans, you probably don’t have insurance for the one thing that pays those bills: your income. If an accident or illness prevented you from working, could you still cover your everyday expenses?

Disability insurance makes this question easy to answer. It can help protect your way of life and maintain your lifestyle if a physician determines you’re unable to work due to a covered accident or illness.

Many people forgo disability insurance because they don’t think they’ll ever need it. However, over 90% of disabilities are caused by common illness or conditions, such as:

• Pregnancy and childbirth
• Back and joint disorders
• Accidents and fractures
• Cancer
• Heart attacks and strokes

When you’re unable to earn an income because of an illness or accident, your paycheck stops, but expenses continue. With a policy through US Grant Insurance Agency, you can focus on your health and recovery –  not on paying bills.

How our disability insurance policies work

When an accident or illness happens, the last thing you want to think about is how you’re going to pay the bills. With our short-term disability benefits, you may receive financial support for up to two years, so you can focus on what really matters: recovering and getting back to work.

US Grant Insurance Agency will help you find disability insurance offering disability benefits, as well as a variety of optional provisions to pay for psychiatric conditions, psychological conditions and hospital admission. You can choose the appropriate benefit amount to meet your needs. No matter which amount or policy you select, benefits are:

• Payable on a monthly basis directly to you (unless you specify otherwise), regardless of any insurance you may have with other companies
• Able to be used to pay for whatever you like, including rent, house payments, car payments, utilities, credit card bills, travel expenses and more
• Potentially available if you return to work part time
• Able to be kept if you change jobs

Plans vary, so talk with us to learn more about how disability insurance can help provide financial protection for you and your family.

An examples of how disability insurance can help

Julie: leg injury

After injuring her leg while jogging, Julie took a week of paid time off, then used her disability insurance to help cover her rent and monthly student loan payment.

Jacob: heart surgery

Jacob suffered a heart attack and had to take unpaid leave after surgery. His disability insurance helped pay his family’s bills during recovery, allowing him to protect the savings set aside to give his daughter the wedding of her dreams.

Isabella and Andrew: maternity leave

When Isabella took leave after having a baby, her disability insurance helped pay for her and Andrew’s ongoing expenses so they could avoid dipping into savings.

The examples above are for illustrative purposes only. Benefits may vary. The certificate and policy have exclusions and limitations. For complete details, please talk to us.