Short & Long-Term Disability Insurance

Replace your income if you miss work because of an injury or illness or if you lose your job.

Individual Disability Coverage

If you have an illness or injury that keeps you from working, the financial consequences can be devastating. Towne Benefits Consultants can help you purchase an individual disability policy that fits your specific situation.

How Does a Disability Policy Work?

Disability policies are designed to replace some of your income if you miss work because of an injury or illness. Some employers offer both short term and long term disability, but those policies may not be portable if you leave your job. With an individual disability policy, you own it and it’s not tied to an employment relationship.

This this type of coverage can help you in several ways:

  • Provides a monthly income benefit
  • Guards against the liquidation of personal assets
  • Helps with disability-related costs
  • It’s customizable for your unique needs

The premium associated with a disability policy is determined by several factors:

  • Age and health status
  • Amount of benefit provided
  • Duration of payments
  • Other underwriting considerations

Why Towne for Disability Insurance?

As a leading independent insurance agency, Towne has strong relationships with many of the nation’s top insurance carriers. So we can provide the right disability coverage at the most competitive rates. 

Towne is able to offer a wide variety of insurance policies without the restrictions of a single insurer. We represent you to the insurance marketplace and will always look out for your best interests.

Towne Insurance and Towne Benefits are part of a culture defined by caring for the people and communities we serve.

Your Disability Insurance Experts

Disability insurance helps protect you financially if you can’t work because of an injury or illness. Count on Towne Benefits Consultants to help you select the right coverage for you. Contact our Towne Benefits Team today!

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Towne Benefits

Comprehensive life and health coverage plans with personalized service.
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