Disability Insurance

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Disability Insurance in Owatonna, MN

Disability Insurance Quotes in Owatonna, MN

Want an insurance agency that tailors insurance to your needs, works on your behalf to find the best coverage & rates, and helps you navigate claims? You’ve found it. Learn more about our coverage options, then get a free disability insurance quote comparison.

 

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We aim to consistently exceed your expectations – that’s why we start by doing the comparison shopping for you. We search the market for the best possible combination of coverage, price, and service, from a multitude of A rated insurance companies.

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COVERAGE

Individual Disability

A policy that you purchase and own. Individual coverage stays in force even if you change jobs.

Long Term Disability

Coverage for long-lasting disability. Long term coverage usually begins paying after 3 months to 1 year of being disabled and benefits can last up to age 65.

Short Term Disability

Covers shorter term disabilities. Coverage can begin as soon as the first day of injury and benefits typically last a few months to a year.

Group Disability

Covers a group of individuals, like the employees of a business. 

Common Questions

 

What Is Disability Insurance?

Disability insurance pays you a portion of your prior income if you’re unable to work  because of an illness or injury. 

Do I Need Disability Insurance?

There is no law or requirement to carry disability coverage. However, according to the Council for Disability Awareness, about 1 in 4 of 20 year-olds today will become disabled before they retire, with an average duration of disability of nearly 3 years. If losing your income for an extended period of time is a concern, you may want to consider coverage.

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