Disability Insurance

If you become unable to receive income from work due to an injury or illness:

  • How would you pay your mortgage?
  • Pay for grocery bills?
  • Make your car payment?
  • Save for retirement? 

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Your income is a valuable asset and a financial foundation for you and your family. To ensure that you maintain your current lifestyle and protect your family’s future, disability insurance provides a set income after an injury or illness occurs. Disability insurance is a form of insurance that insures that beneficiaries receive income against the risk that a disability will make working impossible. Disability insurance includes paid sick leave, short-term disability benefits, and long-term disability benefits. Make sure you protect your future and future income with disability insurance.

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Short-Term Disability policies (STD)

Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

Long-Term Disability policies (LTD)

Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

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    Dental

    Dental Insurance provides coverage for oral health care for individuals, groups, and businesses .

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    Disability

    Disability insurance includes paid sick leave, short-term disability benefits, and long-term disability benefits.

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    Life

    Life Insurance provides the opportunity to protect your family’s financial future upon the insured's death.

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    LTC

    Long-Term Care Insurance is designed to cover personal and custodial care in your home, facility or community.

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    Health

    You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially.

    All the recent changes to health insurance had me unsure on the choice for my family. Matt at Nichols and Associates helped me find the best plan to meet my growing families' needs.

    - Amber, Lynn Haven