Frank M. Semeraro

(973) 229-0288
Individual, Family and Small Business


Disability Income Insurance

Disability Income Insurance provides for periodic payments of benefits when a person becomes disabled and is unable to work.  Most people don't plan for the possibility that they may be faced with a debilitating accident or illness during their working years.

Your income is most likely your biggest asset. Without it, it would be hard to support yourself and your loved ones financially.  Protecting your income isn't just for you, it's for the people you love, too.  If you have people that depend on you financially, college tuition to cover, mortgage payments and every day living expenses, Disability Income Insurance will help cover those expenses if you can't work for an extended period of time due to sickness or injury.   Benefits are usually provided on a monthly basis so that the individual can maintain their standard of living and continue to pay their regular expenses.

Even if you have group long-term disability insurance through your employer, it may not be enough. They’d also be left without your steady paycheck.   Who would run your business?

Call me at (973) 229-0288 to schedule a consultation.