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Disability Insurance - Manhattan & Westchester County, NY, Fairfield County, CT & New Jersey

It’s estimated that 30% of people will experience some length of disability over the course of their working lives, losing their income stream for a significant period, if not permanently. And although most states often require employers to provide short-term disability coverage, many don’t extend coverage beyond a few weeks or months.

What’s more, even when businesses include disability income insurance in their benefits plans, typical limitations can make group policies fall short. A well-paid professional like you at the height of a productive career generally has much to lose if he or she experiences a disability and is unable to work. Disability benefits paid from an employer’s group plan or Social Security probably won’t come close to replacing a six-figure salary package.

At A.J. Benet, we recommend that individuals with high incomes consider expanding their disability coverage to help ensure that their incomes, assets and lifestyles are not left vulnerable. We can provide you with an individual disability insurance policy tailored to your specific income, profession and lifestyle.

You can choose short-term disability, which should get you over a hump until other benefits you have begin, or you might prefer long-term disability insurance, which may have a longer waiting period but can provide income until late in life. The payments can be used for anything, not just medical costs or rehabilitation. If you’re a sole proprietor or work independently, you may be especially interested in this product.

Protect your loved ones and yourself from the unexpected.

We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page and we’ll call you to set up an appointment to review your insurance program in detail and show you how we can serve your needs.

Since 1964, A.J. Benet has been serving residents in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan.