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 like hosting backyard cookouts with friends. 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!
Insurance Companies We Work With
Disability Insurance companies excel in different factors of coverage; certain occupations, age groups, 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 (the best coverage at the most competitive cost).
How Disability Insurance Helps
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 kept his business running, and provided income so that his family (a wife and six children!) could continue financially. Click the button below for more details.
What Does Disability Insurance Cost?
The answer depends on a few factors, most importantly your current age, income, and occupation. Secondary factors include what benefit options are important to you, your current health status, etc. The best way to find out costs specific to your personal factors is to request a free quote. Below are a few recent client examples:
$73.12 monthly
A Disability Insurance policy with a $4,200 monthly benefit payable up to age 67 for a 32 year old male architect with an $80k annual income. Adding the important benefit options of Pure Own Occupation Definition of Disability and Enhanced Residual Benefits moves the monthly cost up to $88.23.
$105.40 monthly
A Disability Insurance policy with a $5,000 monthly benefit payable up to age 67 for a 37 year old male small animal veterinarian with an $100k annual income. To add the important benefit options of Pure Own Occupation Definition of Disability and Enhanced Residual Benefits moves the monthly cost up to $127.76.
$111.44 monthly
A Disability Income Insurance policy with a $5,400 monthly benefit payable up to age 67 for a 27 year old female optometrist with an $110k annual income. To add the important benefit options of Pure Own Occupation Definition of Disability and Enhanced Residual Benefits moves the monthly cost up to $135.22.
Why the “Definition of Disability” in Your Policy is So Important to Understand
Each Disability Income Insurance policy contains a stated “defnition of disability” or in other words, what exactly it means that you have met the policy’s standard of disability, and can receive benefits. This article (click the button below) explains the standard definition variations you will encounter, and why the “Own Occupation” or “Pure Own Occupation” definition of disability is very important for people in certain occupations to build into their DI policy.
Think Disability Insurance Through Work is Enough? It Rarely Is…
Disability insurance through your job is a great benefit, kudos to your employer! But make sure you find out what type of coverage you have. 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?
When compared to individual Disability Insurance, coverage through work usually falls short in benefits. In other words, employer-sponsored disability insurance is a nice part-benefit, but it should not be what you depend on. We can design your own Disability Income Insurance policy to compliment the benefits of your coverage through work. Click the button below to learn more.
New Parents Need Disability Insurance
Children add new expenses to the family budget. Disability Insurance makes sure they are paid for.
Request Free Quotes Now
Complete the short form below and we will email you personalized quotes of Disability Income Insurance along with other educational information on DI.
Why Work with Chip Millard?
As you search online for Disability Insurance info have you noticed that 95% of the websites look similar, especially in what they are missing?…..an office address, or photos and names of a real life insurance professional that might be of help to you? Here’s why:
Most websites advertising Disability Insurance are actually lead aggregators. Once you complete their quote request they will sell the information to 4-5 insurance agents that will bombard you with emails, calls, texts, etc.
Others are insurance agencies that operate as call centers in nameless office buildings, treating Disability Insurance as a commodity sale. They do not want you to know where they are located, nor who works there.
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 all of the available choices.
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 with any of the dozen insurance companies offering Disability Insurance.
Hear From Our Clients
Reviews from current customers on their experience in working with us. Use the arrows to scroll through the comments.