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We’re hiring licensed sales agents. Join a team where you’ll be rewarded for your hard work. APPLY TODAY

Speak to a licensed sales agent!

1-704-315-2292

info@pbinsurancegroup.com

Disability Insurance

Disability insurance replaces a portion of your income when you can’t work for a short or extended period of time because of an illness, injury or pregnancy.

Free Disability Insurance Quote

Types of Policies

Short -Term Disability (STD)

Benefits begin after a short waiting period usually no more than 0-14 days. Benefits typically last for a few weeks to a few months but not more than 2 years. STD plans typically replaces between 60 and 70 percent of your pay, depending on the policy.

Long-Term Disability (LTD)

Benefits begin after a longer period of time typically 90 days. Benefits typically last longer like 5 years or until your Social Security retirement age. It usually covers 40 to 70 percent of your income. If your employer pays your STD or LTD premiums, your benefits are taxed.

Disability Statistics

At least 51 million working adults in the United States are without disability insurance.

The most common reasons for short-term disability claims are:

Pregnancies

25%

Musculoskeletal disorders affecting the back and spine, knees, hips, shoulders and other parts of the body.

20%

Digestive disorders such as hernias and gastritis.

7.8%

Mental health issues including depression and anxiety.

7%

Injuries such as fractures, sprains and strains of muscles and ligaments.

7.5%
The most common reason for long-term disability claims are:

Musculoskeletal disorders

29%

Cancer

15%

Pregnacy

9.4%

Mental health issues including depression and anxiety.

9.1%

Injuries such as fractures, sprains and strains of muscles and ligaments.

9%

Your chance of missing work due to an illness, injury or pregnancy is greater than you think!!

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