Stan the Insurance Man

Disability Insurance Made Simple

Disability Insurance Made Simple

Protect Your Income. Stay Financially Secure. Focus on Recovery. What would happen if an injury or illness kept you from working for weeks—or even months? Your rent or mortgage wouldn’t stop. Neither would groceries, bills, or family expenses. That’s why disability insurance is one of the most important—and most overlooked—forms of protection you can have. I’m Stan the Insurance Man, and I help people like you prepare for the unexpected with affordable, reliable disability coverage that replaces your income when life throws you a curveball.

What Is Disability Insurance?

Disability insurance provides a monthly income if you’re unable to work due to illness, injury, or accident. It doesn’t cover medical bills—that’s what health insurance is for—but it pays you directly to help cover everyday living expenses while you’re recovering.
It’s like a paycheck protection plan, because your ability to earn income is one of your biggest assets.

Two Main Types of Disability Coverage:

1. Short-Term Disability Insurance
Covers injuries, illnesses, or surgeries that temporarily prevent you from working
Benefits usually start within 7–14 days
Pays for 3 to 6 months (depending on your plan)
Great for maternity leave, surgeries, or recovery from injury
2. Long-Term Disability Insurance
Covers extended time away from work due to serious illness or injury
Benefits start after 60–90 days
Can pay out for several years—or until retirement
Ideal for primary income earners, self-employed, or anyone without employer coverage

Why You Need Disability Insurance

Most people don’t realize:
1 in 4 workers will become disabled before retirement
Most disabilities are due to illness, not accidents
Workers’ comp doesn’t apply unless you’re injured on the job
Savings can disappear quickly during time off work
Even if you’re young and healthy, one unexpected diagnosis or injury could leave you without a paycheck, and struggling to stay afloat.

What Disability Insurance Can Help You Cover:

Rent or mortgage payments
Groceries and utility bill
Credit card, car, or student loan payments
Medical co-pays or deductibles
Childcare and household expenses

Ready to get started? Schedule a Call today?

If you have questions, feel free to give me a call.

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