Social Security Administration, Fact Sheet, January 31, 2020

"The sobering fact for 20-year-olds is that more than 1-in-4 of them becomes disabled before reaching retirement age."

Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different; this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.

We’ll help you choose the right disability plan for your business and your employees.

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We take you through our 5-step process

Insurance plans come in all shapes and sizes. That’s why it’s important to assess your needs before you choose an insurance plan.

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Employee Disability Insurance at a glance

You can choose from two types of disability coverage: short-term and long-term. When you partner with us, we’ll go over your unique needs to see which policies suit your company, then we’ll guide you through the features and benefits of each policy. Armed with that info, you’ll be able to decide which plan best fits your business. You’ll give your employees added peace of mind and another powerful reason to join and stay with your company.

Short- vs. Long-term coverage

Short-term disability starts when your workers are unable to work due to sickness, injury, or birth of a child. It typically lasts 10 to 26 weeks.

Long-term policies can replace up to 60% of salary and last for a certain number of years or until the employee reaches retirement age. The longer the benefit period, the higher the premium.

  • Know what you already have
  • Know how much you need

How much coverage do you need?

47% of U.S. employers offer short-term coverage and 40% provide long-term disability, according to industry trade group LIMRA. We’ll help you decide whether you need short-term, long-term, or both, and how much you need. We’ll make sure you choose the plan that offers the right level of coverage for your employees.

If the company pays all or part of the premium, that’s likely the best option for employees to start with. They benefit from lower group costs as well as reduced premiums.

  • Age matters
  • There are some drawbacks to group plans

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Client Review

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Why would anyone get insurance any other way? This was an amazing experience.

We went to see Monique (The Owner) and was floored by the incredible customer service, her thorough walkthrough of all the plans to make choosing easier and the speed in which we signed up for all insurance. We were literally in and out of the office (a beautiful residential area by the way), within 1 hour and 10 minutes. Thats not bad for being a first time business owner, 26 years old and having my brother with me looking at vision, dental and health at the same time.

She was courteous, polite, caring and gave us options that she had already prepared before we arrived. It was such a great luxurious service that I started to worry about how much this would cost, I was prepared to invest because she absolutely deserved it, but numbers started to fly around.

When she told me that it was free because she gets a commission from any packages she recommends our jaws dropped. Not only that but we can call her if we have any questions at all, change our primary through her and change policies on the fly making everything super easy and insurance a lot more fun to deal with, instead of dreading it.

Her character was bright, sunny and fun making the entire transition a wonderful experience. I highly highly recommend her and you’d honestly would have to be crazy not go with Zinn Insurance!

Louis B.
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