With individual disability insurance, the primary question is how disability is defined. This determines your benefits, plan exclusions, and more nuanced details of your insurance coverage.

Look for a disability policy that maximizes your options for the most affordable cost, and be sure to factor in employer-based provisions and those from other types of insurance you may have as they will affect your ultimate benefit value.

If you are unable to earn income due to illness, accident, or injury, your partnership with the professionals at the Ashcraft Associates Insurance Agency can provide you with benefits over an extended lifetime.

Individual Disability Insurance Providers Serving VA, MD, and DC