Insurance Products
Disability Insurance
Your ability to earn an income is your most valuable asset. Disability insurance protects your financial security if illness or injury prevents you from working.
About This Coverage
Most people insure their homes, cars, and lives — but overlook the income that pays for all of it. Disability insurance replaces a portion of your income if you become unable to work due to illness or injury. DiTaranto Insurance Services helps individuals, professionals, and business owners find the right disability coverage — whether you need individual long-term disability, a business overhead expense policy, or supplemental coverage on top of an employer plan.
What's Typically Covered
- Individual long-term disability insurance (own-occupation definition)
- Short-term disability insurance for temporary income replacement
- Business overhead expense (BOE) insurance for self-employed professionals
- Key person disability insurance for critical employees
- Disability buy-sell coverage for business partners
- Supplemental disability to enhance employer-provided coverage
- Guaranteed standard issue (GSI) programs for professional associations
- Social Security disability offset and integration options
Disability insurance policy language matters enormously — the definition of 'disability,' the elimination period, and the benefit period can make a significant difference in what you actually receive. DiTaranto Insurance Services helps you understand the fine print and select a policy that provides genuine income protection when you need it most.
Get a Quote
Ready to protect what matters most? Contact us today for a personalized quote.
Other Products
Ready to get covered?
As an independent brokerage, we shop multiple carriers to find you the best coverage at the most competitive rate.
Get a Free Quote