Get Your Disability Insurance Quote
Protect Your Income. Protect Your Future
Your ability to earn an income may be one of your most valuable financial assets. Compare disability insurance options designed to help replace a portion of your income if an illness or injury prevents you from working.
What Would Happen If Your Paycheck Stopped?
Your home, savings, retirement contributions, family expenses, and financial goals all depend on one thing: your ability to earn an income. Disability insurance is designed to replace a portion of that income when a covered illness or injury prevents you from working.
Mortgage and Housing
Help keep up with housing expenses
Everyday Expenses
Continue paying regular household bills
Family Obligations
Help protect the people who depend on your income
Financial Goals
Reduce the need to drain savings when your income stops
How Does Disability Insurance Work?
Disability insurance can provide a monthly benefit if a covered illness or injury prevents you from working. The amount you may qualify for depends on factors such as your income, occupation, age, health, and existing disability coverage.
Monthly Benefit
The amount the policy may pay each month while you meet its definition of disability.
Elimination Period
The amount of time you generally must remain disabled before benefits become payable.
Benefit Period
How long eligible benefits may continue, such as several years or potentially to a specified age.
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Why Work with Abrams Insurance?
Disability insurance can be more complicated than simply comparing monthly premiums. Your occupation, income, health history, policy definitions, benefit period, elimination period, and optional riders can all affect the coverage you receive.
At Abrams Insurance Solutions, we work with multiple insurance companies to help you compare your options and understand the differences between policies.
Our goal is to help you find coverage that fits your needs and budget, without limiting you to one insurance company or pushing you toward a particular policy.
How much does disability insurance cost?
The cost depends on factors including your age, occupation, health, income, monthly benefit, elimination period, benefit period, and policy features.
How much disability insurance can I qualify for?
Insurers generally base available benefits on your earned income and existing disability coverage. The exact amount depends on the carrier's underwriting guidelines and your financial information.
What's the difference between short-term and long-term disability insurance?
Short-term disability insurance generally has a shorter waiting period and provides benefits for a limited period. Long-term disability insurance typically has a longer waiting period but can provide benefits for years, depending on the policy. Policygenius similarly distinguishes the two primarily by how long benefits can continue.
Do I need disability insurance if my employer already provides it?
Possibly. Employer coverage can be valuable, but benefit limits, portability, definitions, and tax treatment may differ from an individually owned policy. Review your existing plan before deciding whether additional coverage makes sense.
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