Disability Insurance

from Wagner Insurance Agency

What if your income suddenly stopped?

Most of us have missed work for a day or two because we were sick. What if you were sick or out of work for 3 months? How about one year? How would you continue to pay for your house, cars, utilities, and food?

People insure everything….their houses, cars, personal property, and their life. Frequently overlooked is the one thing that pays for all of these, our ability to earn an income.

Few individuals realize that 1 in 5 Americans will face a long-term disability between the ages of 25 and 65. Faced with lost wages from being out of work and the reduced ability to accumulate retirement funds, disability threatens both our short term and long-term stability.

Wagner Insurance offers customers a choice of insurance coverage for a range of incomes and situations – from basic paycheck protection to customized benefits for the most sophisticated of needs.

Our comprehensive income recovery plans are customized for each individual’s needs and can cover a full range of occupations including professionals. The Comprehensive Income Recovery Plan includes:

  • Optional benefits periods of 2 years, 5 years, and to age 65.
  • Elimination periods of 60, 90, 120, 180, and 365 days.
  • Non-cancelable with premiums guaranteed to age 65
  • Pays when, due solely to injury or sickness, insured experiences loss of time or duties in his/her occupation of a least 20% and is receiving physicians care.
  • Pays 100% of monthly benefit limit for total loss of income due to disability.
  • Pays a benefit proportional to income loss for partial disability.
  • Standard update feature builds in coverage increases to help benefits keep pace with expected income increase by the insured.

Contact us today for a no obligation quote. We will help calculate the amount of protection and plan you need.