M.D. Hughes Insurance Agency

We will guide you to the best and least expensive disability insurance policy for your unique circumstances.

Your most important asset is not your home, your car, your jewelry or other possessions. It’s your ability to earn a living.

Think about it: All of your plans for the future – from buying a home to putting your kids through college to building a retirement nest egg – are based on the assumption you will continue to earn a paycheck until you retire. But what would happen if those paychecks stopped?

That’s where disability insurance comes in. It provides an income to you and your family if you are unable to work because of illness or injury.

Disability is an insurance product designed to replace anywhere from 40-65% of your gross income, usually on a tax-free basis, should a sickness or illness prevent you from earning an income in your occupation. You have a 30% chance of suffering a disabling illness or injury at some point in your career before reaching retirement. 90% of disabilities are due to illness and 10% of disabilities are due to injury.

Therefore, most disabilities are not covered by workers’ compensation as 90% are not work-related. The most flexible and reliable source of coverage is an individual disability insurance policy you purchase on your own. A privately owned policy is portable, meaning you won’t have to worry about losing coverage if you change jobs.

Before purchasing a disability policy, evaluate the benefits you may already be eligible to receive from your employer, the government, or other programs.

If you determine that coverage available to you is too limited, M.D. Hughes Insurance Agency can help guide you through the maze of policies, features, and options.

We represent carriers that are reputable and financially strong and will make sure you choose the best policies for your individual circumstances.