Oregon Disability Income Insurance

How long could you go without a paycheck?

Local Oregon Disability Income agents can help today. Paycheck Protection is easier than ever!

How long can you make it without a paycheck? If you become ill or injured, how will you, your family & lifestyle survive? Oregon Disability Income from Pibal Insurance is your local resource for quotes, rates and information. We understand this risk and have been creating disability insurance packages for our clients in Oregon for nearly 20 years.

Pibal Broker Tip: Unlike California, Oregon doesn't have a state-funded disability income plan. If you are moving to Oregon, we can help find the best Disability Income quote.

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ASK YOURSELF: “What would happen if you didn't have a paycheck this month, next month or the next 30 months?" What would happen to you, your family, your business and home, if you were to become sick or hurt and unable to work? You may not think it will happen to you, but the statistics are frightening. An Individual Disability Income plan is a very affordable benefit which pays you direct income, while you are sick or injured.

Oregon Short Term Disability

Short Term Disability Income Insurance. These benefit plans pay you a set determined amount you need ($500 to $5000 per month). Benefits can be used to pay your housing costs, car payments, food and even your health insurance! Even better, many plans now offer no waiting periods! Sick or injured this week? The plan pays you! Click or call today for a custom quote for you.

Oregon Long Term Disability Insurance

Long Term Disability Income Insurance: Paycheck Protection. These policies will pay you a set amount based upon your existing income every month for a determined length of time. These periods can be as short as six months or all the way to age 65. Call today and we can send you a no obligation quote that shows the actual premiums for your specific needs.

You are more likely to become disabled than to die prematurely.
Most of us offset this risk by purchasing life insurance, but what about the possibility of becoming disabled? Even a Short Term Disability can be financially devastating. If you were to become sick or hurt and unable to work, how long could you survive financially without an income? Disability insurance income could be the means of financial survival.

Disability Income Insurance: By definition, Disability Income Insurance (aka: Long Term Disability & Long Term Disability Income Insurance)will simply provide income when you are unable to work due to a long term disability injury or illness. You have a 1 in 5 chance of becoming disabled in your life time.

The average time of being disabled is currently over 2.5 years.

What is Disability Insurance and how much does it cost?

Well, according to Wikipedia: “Disability Insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary's earned income against the risk that disability will make working (and therefore earning) impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits.] Statistics show in the US a disabling accident occurs every second.”

The stark reality of statistics will show that you will eventually need Disability Income Insurance, especially if you are self-employed or a business owner.

  • Nearly 90% of disabling accidents and illnesses are not work related. National Safety Council, Injury Facts 2008 Ed.
  • 71% of American employees live from paycheck to paycheck. American Payroll Association Survey, 2008
  • Three in ten workers entering the work force today will become disabled before retiring. United States Social Security Administration, January 31, 2007

There are several types of Disability Income Insurance policies. Which plan is right for you? What rates are realistic?

Call us for a personalized, no obligation, no hassle quote to see if Oregon Disability Income Insurance can protect you, your family, and home.

Who Needs Disability Income Insurance? Probably you. Self-employed, small business owners and those who even have employer sponsored Disability Income Insurance, we can help.

You can also use our Free Quote Online Request Form to receive a disability income insurance quote.

 

*Oregon Disability Income Insurance Rate estimated for 25 year old non-smoker. Your price may vary based on age and other variables. Call today for a personallized quote.