Disability Insurance

Protect Your Income, Protect Your Future

Be Ready for Life’s What-Ifs

Your ability to earn an income is one of your most valuable assets, but many people don’t think about protecting it until it’s too late. Disability insurance provides a safety net if an illness or injury prevents you from working, helping you cover essential expenses and maintain your lifestyle. At Freedom for Living Financial Services, we’ll help you explore your options and create a plan that gives you peace of mind, no matter what life throws your way.

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How We Help With Disability Insurance

Coverage That Fits Your Needs

We’ll guide you through your choices and recommend a plan that balances protection and affordability.

Short-Term Disability Insurance

Provides income replacement for temporary illnesses or injuries that keep you out of work for weeks or months.

Long-Term Disability Insurance

Offers extended coverage if you’re unable to work for a year or more due to a serious health issue.

Custom Solutions

Advice on combining employer-sponsored plans with individual policies for comprehensive protection.

Questions About Disability Insurance?

Here’s What You Should Know

  • Why do I need disability insurance if I already have health insurance?

    Health insurance pays for medical care, but it doesn’t cover your everyday expenses like mortgage payments, groceries, or utility bills if you can’t work. Disability insurance replaces a portion of your income so you can continue meeting your financial obligations during recovery. It’s an essential layer of protection for anyone who relies on their paycheck to support themselves or their family.

  • What’s the difference between short-term and long-term disability insurance?

    Short-term disability typically provides benefits for a few weeks to a year, covering situations like recovering from surgery or a temporary illness. Long-term disability kicks in when you’re unable to work for an extended period, often lasting until you can return to work or reach retirement age. We’ll help you evaluate which type—or a combination of both—best fits your circumstances.

  • How much of my income will disability insurance replace?

    Most policies replace between 50% and 70% of your income, but the exact percentage depends on your policy and coverage level. We’ll work with you to determine how much coverage you need to maintain your lifestyle and avoid dipping into savings during a disability.

  • Is disability insurance expensive?

    The cost of disability insurance varies based on your age, health, occupation, and the level of coverage you choose. Many people are surprised to find it’s more affordable than they expected, especially compared to the financial impact of losing their income. We’ll help you find a plan that fits your budget without sacrificing critical protection.

  • Why choose Freedom for Living for disability insurance?

    We take a personalized approach, helping you understand your options and customize your coverage to your life. As an Ethics Approved Registered Financial Consultant (RFC®), Ron Rogers prioritizes your needs over any product or provider, so you’ll never feel pressured. Our goal is to give you confidence that your income—and your family’s future—is protected.