Disability Insurance

Why. Your income is your most important financial asset, and the one that most people take for granted. What would happen to you and your family if you lost your ability to earn an income? Disability insurance helps fill in a significant gap between health and life insurance coverage, and helps you avoid foreclosure and other tragic consequences of a disabling injury or condition. Most people recognize the need to insure their lives and their health, but often fail to consider the consequences of insuring their income. Disability insurance typically provides 50-66% of your income if you are unable to work due to a disabling event or condition.

Who Needs It? If you’re among the estimated 71% of Americans who live paycheck to paycheck, disability coverage is even more important. Did you know that the Social Security Administration estimates that 3 out of 10 people entering the workforce today will become disabled for more than a year at some point? Yet few people are prepared for such an event.

Individual and Group Coverage. AC Forrest offers disability insurance protection to both individuals and small businesses in South Carolina, Georgia, and neighboring states. For a small business, short-term disability insurance will help your employees make it through an extended absence due to illness or injury, and will be a significant help for employees who need maternity leave. Long-term disability enables you to protect and take care of your employees at a time when they need all the help they can get.

For a small business, depending on your industry, disability insurance could be much more affordable than you think. We’d love to show you some no-hassle no-obligation quotes. For an individual, the premiums could prove to be challenging, but this is an important area of risk that could effect everything else. Contact AC Forrest and we’ll work with you to find a disability/income insurance plan that protects you.