New York Individual Disability Insurance

Individual disability insurance is used to replace lost income if you are disabled or cannot work due to an injury or illness. At Hibbard Insurance Agency, we can tailor a New York disability insurance policy to fit your individual needs. Many studies say that Americans can have a long-term disability by the age of 65, so this complement to your health insurance is necessary.

An individual disability insurance policy is a good way to cover income losses even with those who have some employer-paid coverage. Typically, disability premiums paid by you are not taxes but employer-paid benefits are. There are 2 types of individual disability insurance policies - long-term and short-term.

Basic ways of disability insurance in New York

• Individual disability income policy
• Social Security disability benefits
• Employer paid benefits

Let a Hibbard Insurance Agency agent explain the different options you have when considering individual disability insurance in Lewiston, New York including the Lockport, Niagara Falls, Olcott, Ransomville, and Youngstown areas.