Disability Insurance

Do I need Disability Insurance?

Disability Insurance is useful when dealing with an illness or injury, either physical or mental, which prevents you from performing your day to day work. Disabilities covered may also include elective surgery, pregnancy, childbirth, or other related medical conditions.

While most people tend to enroll in Life Insurance or Health Insurance, Disability Insurance is often the most overlooked one. It’s just as important because it ensures you have an income flow in the event you’re sick or injured to help protect your financial plans. At Laurel Insurance Insurance Agency and Associates, we believe that you should be financially safe in these situations, and therefore recommend enrolling for Disability Insurance. There are various types of Disability Insurance Plans available, so it's important to pick the one that best suits you.

Contact us today to learn more about the Disability Coverage Plans available for your company >

Types of Disability Insurance

+ Short-Term Disability Insurance

• Benefits cover a shorter time period (months)
• Shorter wait period for Insurance Benefits
• Covers less serious injury or illness

+ Long-Term Disability Insurance (Our Recommendation)

• Benefits cover a longer time period (years)
• Longer wait period for Insurance Benefits
• Covers more catastrophic injury or illness

Frequently Asked Questions

+ How can I check to see if my current insurance is active?

You can see if your current insurance is active by visiting our Carriers Page. You can select your insurance company and the corresponding page provides you with the appropriate information to best assist you.

+ How do I make a change to my policy?

For any policy changes, contact us by calling us at (956) 724 9083. We have a 24 hour answering service. You may also Email us at Info@LaurelAssoc.com.

+ How can I learn more about my current insurance?

Visiting your insurance portal provides many perks; you can view breakdowns as well as additional coverage information about your insurance plan. We recommend visiting our Carriers Page and downloading the corresponding app for your insurance company. With the simple use of the app you can view the summary and details of your current insurance plan.

+ What is a deductible?

In an insurance policy, the deductible is the amount paid out of pocket by the policyholder before an insurance provider will pay any expenses. Some insurance claims may not be subject to a deductible, but this all depends on your insurance plan.

+ When does my Health Insurance Plan start?

Most Health Insurance Plans operate on a yearly schedule which means that they begin on January 1st and run to December 31st. This is when open enrollment comes into play which sets a period of enrollment for Health Insurance, based on what the Affordable Care Act initiated to “prevent people from waiting until they get sick or injured to go shopping for coverage.” Learn more about open enrollment >

+ What is a co-pay?

A co-pay is a fixed amount for a covered service (by your insurance), that is paid by the patient to the provider of the service. The co-pay may be defined in your insurance policy so looking at your coverage is always useful. For help with this visit our Carriers Page >