Disability Insurance Pays Your Bills When Injury or Illness Prevents You From Working.
We work to fund our family budget; the mortgage, monthly bills and extras. If an injury or long-term illness prevented you from working, how would you fund your family budget? Disability insurance replaces your income with a monthly benefit. Your family budget stays funded!
As an independent insurance broker, Chip Millard can help you understand, select, and enroll in disability insurance. All at no additional cost or billed charge.
Want to talk with Chip today? Set an appointment with Chip here: calendly.com/chipmillard
Disability Insurance Companies We Partner With:
Disability Insurance companies excel in different details of the insurance coverage; certain occupations, age groups, definition of disability, benefit options, etc. As an insurance broker (instead of an agent whom represents just one company) we can explore and find the best policy for your specific needs (in short…the best coverage at the most competitive cost).
Why Work with Chip Millard to Learn About Disability Insurance and Choose Coverage?
Our clients tell us all the time they were glad to find a real person to help…that searching online for Disability Insurance information can be a nightmare because of the 3 types of imitation disability insurance brokers found all over the web (a sure sign…you can’t find their office address anywhere on their website):
Lead aggregators. Once you complete their quote request they will sell your personal information to 4-5 insurance agents that will bombard you immediately with emails, calls, texts, etc.
Others are fin-techs and call centers, treating Disability Insurance as a commodity sale. The “McDonald’s version” of insurance sales.
And the third group are property / casualty agents (think home and car insurance), hoping to make a Disability Insurance sale or two. Their expertise is not in Disability Insurance.
We are a real insurance broker, with expertise in a complex insurance product.
Our website is that of a real life insurance broker, Chip Millard. We are located in the Southern Village commercial district in Chapel Hill, North Carolina, and you can visit our office. Chip helps clients all over North Carolina with Disability Insurance and you can contact him anytime, to learn more, to purchase a policy, or with questions or problems once your DI coverage is in place.
We operate as an insurance broker, in that we work with all the insurance companies. When you ask a question, our answer is not motivated by one insurer’s expectations. When you request a quote, we can research and find the best coverage for your needs (in both benefit and cost) from among a variety of the strongest insurers offering Disability Insurance.
A real insurance professional to help educate you on Disability Insurance, and answer your questions.
Our office is in Southern Village, in Chapel Hill North Carolina (102 Market St. Ste. 206, Chapel Hill, NC 27516).
We help people all over the state of North Carolina choose the best Disability Insurance coverage for needs.
As an insurance broker Chip can help you compare the details of many insurance companies offering Disability Insurance.
What Does Disability Insurance Cost?
The answer is different for everyone and depends on a few factors; most importantly your current age, annual income, and occupation. Secondary factors include what policy benefit options are important to you, your current health status, etc. The best way to find out costs specific to you is to request a free quote (we can email you detailed benefits and costs from a few insurers). Below are a few recent examples of polices we put together for our clients:
$63.82 monthly.
A Disability Insurance policy for a 32 year old male architect earning $82,000 annually offers a $4,310 monthly benefit payable starting after 90 days, up to age 67.
Adding two important recommended benefit options, True Own Occupation Definition of Disability and Residual Disability Benefits, moves the monthly premium cost up to $88.23.
$119.34 monthly.
A Disability Insurance policy for a 37 year old male small animal veterinarian earning $100,000 annually offers a $5,200 monthly benefit payable starting after 90 days, up to age 67.
Adding two important recommended benefit options, True Own Occupation Definition of Disability and Residual Disability Benefits, moves the monthly premium cost up to $164.62.
$134.17 monthly.
A Disability Insurance policy for a 28 year old female optometrist earning $110,000 annually offers a $5,590 monthly benefit payable starting after 90 days, up to age 67.
Adding two important recommended benefit options, True Own Occupation Definition of Disability and Residual Disability Benefits, moves the monthly premium cost up to $191.07.
Why the “Definition of Disability” in the Policy You Choose is So Important to Understand.
Each Disability Income Insurance policy contains a stated “definition of disability,” or in other words, what exactly it means that you have met the policy’s standard of having a disability, and can receive benefits.
Click the button below to learn more about the the standard definition of disability variations you will encounter. And why the “Own Occupation” or “True Own Occupation” definition of disability is very important for people in certain occupations to build into their Disability Insurance policy.
Think Disability Insurance Through Work is Enough? It Rarely Is…
A myth we hear often is there is no reason for someone to consider their own Disability Insurance plan because they have coverage through work.
The truth is….Employer-sponsored disability insurance the employer pays for, or that you pay for voluntarily is a great benefit. But to be clear, it is rarely as benefit rich as a Disability Insurance policy you choose yourself.
You need to ask questions of disability insurance through work. Is it just short-term (2-6 months), or long-term? How much of your paycheck does it cover? For how long? Does the cost go up each year? Can you take the coverage with you if you left the employer?
Click the button below to learn more about the differences between employer-sponsored and individual Disability Insurance, as well as 3 other “myths” about Disability Insurance we hear all of the time.
New Parents Need Disability Insurance.
Children add new expenses to the family budget. Diapers and other supplies to begin with. The over the years childcare, activity costs and even saving for college are added to the monthly family budget.
Your own Disability Insurance coverage makes sure all of those expenses are paid for, even if you cannot earn your income (because of sickness or accident) to pay for it all.
Request a Free Disability Insurance Illustration with Built-In and Optional Benefits:
Complete the form below and Chip will send you an email with recommended quotes of disability insurance (tailored to your occupation, income and other details). All in a conversational, easy to understand explanation of the details Chip is known for. You can review the information, then follow up with Chip with your questions.
Note: Chip only helps North Carolina residents choose and enroll in Disability Insurance.
Note: Privacy is something we take seriously. The minimum of information is shared with an insurance company to put together a detailed free quote and illustration for you.
How Disability Insurance Helps You and Your Family (a real life story).
Why is your having Disability Insurance in place so important to your family?
Travis Guthman learned firsthand after a car accident sidelined him from running his restaurant. Disability Income Insurance provided money to keep his business running, and also provided monthly personal income so that his family (a wife and six children!) could continue financially. Click the button below for more details.
Hear From Our Clients
Reviews from current customers on their experience in working with us. Use the arrows to scroll through the comments.