Short‑Term Disability
Income replacementHelps replace a portion of income for a short period after a covered disability.
- Benefit periods typically weeks to months
- Elimination periods apply
- Often paired with employer plans
AllGuard Insurance Brokerage Inc
Disability Insurance
Help protect your income with coverage that can replace earnings if you can’t work.
Income ReplacementHelps maintain lifestyle
Flexible Benefit TermsChoose duration and waiting period
Personal or GroupOptions for individuals and businesses
Independent Brokerage
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Personalized Coverage
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Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- Occupation details
- Current income
- Desired benefit amount
- Health/underwriting info (as required)
What is Disability Insurance?
Disability insurance can help replace a portion of your income if a covered illness or injury prevents you from working.
What does it cover?
Disability coverage helps replace income when you can’t work due to a covered illness or injury (policy terms apply).
Long‑Term Disability
Extended protectionHelps replace income for longer-term disabilities when you’re out of work for an extended period.
- Benefit periods can be years
- Own-occupation vs any-occupation definitions
- Coordination with other benefits
State/Employer Compliance
If requiredSome states and employers have disability benefit requirements or programs.
- Rules vary by state
- Employer contributions may apply
- Ask about required postings/forms
Optional Riders
CustomizeAdd-ons can enhance protection depending on your needs and eligibility.
- Cost of living adjustments (COLA)
- Residual/partial disability
- Future purchase options
Good to know
Disability insurance is different from Workers’ Comp—Workers’ Comp applies to job-related injuries; disability can cover off-the-job events too.
Who needs it?
Income earners
Business owners
High-earning professionals
Families relying on one income
Employees (group plans)
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
Is disability insurance the same as workers’ comp?
No—workers’ comp is for workplace injuries; disability can cover off-the-job illness/injury too.
How much benefit can I get?
Often a portion of income; limits vary by carrier.
What is the elimination period?
The waiting period before benefits begin.
Does it cover self-employed individuals?
Often yes, depending on underwriting.
Can a business offer group disability?
Yes—group plans may be available.
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Ready to protect what matters?
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