Disability Insurance

At RHA, we believe your ability to earn an income is one of your most valuable assets. Disability Insurance helps protect that income if an illness or injury prevents you from working, whether for a short time or longer than expected.

 

Many people assume a disability will never happen to them, yet accidents, surgeries, and chronic health conditions can interrupt your ability to work at any stage of life. When that happens, the loss of income can create stress and uncertainty. Disability insurance provides financial support during these seasons, helping you cover everyday expenses and maintain stability while you focus on recovery.

​

 

How Disability Insurance Works

 

Disability insurance replaces a portion of your income if you are unable to work due to a covered illness or injury. Benefits are typically paid on a monthly basis and can help cover essential costs such as housing, utilities, groceries, transportation, and other day-to-day expenses. Coverage may be short-term, long-term, or a combination of both, depending on your needs and goals.

 

 

Short-Term Disability Insurance

 

Short-term disability insurance provides income replacement for a limited period, often ranging from a few weeks to several months. This type of coverage is designed to help bridge the gap after an injury, illness, or surgery that temporarily keeps you from working.

 

 

Long-Term Disability Insurance

 

Long-term disability insurance provides income protection for extended periods, which can last several years or even until retirement age. This coverage plays a critical role in protecting your long-term financial stability if you experience a serious or ongoing medical condition.

 

 

Who Should Consider Disability Insurance

 

Disability insurance is important for anyone who relies on their income to support themselves or their family. This includes self-employed individuals, business owners, professionals, and employees whose employer-provided coverage may be limited. Even those with workplace benefits often find that additional coverage is needed to fully protect their income.

 

 

Why Work With RHA

 

Disability insurance policies can differ significantly in how disability is defined, how long benefits last, and how much income is replaced. At RHA, we take the time to help you understand these details and evaluate your options. We work with multiple carriers to find coverage that fits your occupation, income, and lifestyle, so you can make confident, informed decisions.

 

 

Plan With Confidence

 

Disability insurance is not about expecting something to go wrong. It is about being prepared so that an unexpected health event does not turn into a financial crisis. At RHA, we are here to help you protect the income you have worked hard to build and the life that depends on it.