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Disability Insurance

Disability Insurance in Washington

Most people think disability insurance is not necessary and/or too expensive. In fact, the chances of a disability occurring before age 65 is greater than the chances of a premature death.

The home you live in, the food you eat, the funding for education, retirement, and even your car – Your lifestyle is made possible through the income you earn.

When you are impacted by an illness or injury, you are prevented from earning an income to support yourself and your family. Here at Baker Insurance Group, we offer disability insurance protection through several different companies.

Chances are you’ve already purchased home insurance, auto insurance and health insurance to protect yourself against a financial hardship in the event of a loss or sickness. But, what steps have you taken to protect yourself from the loss of income? Would you be able to meet your financial obligations in the unfortunate event that you’re unable to work?

According to data collected by the Disability Insurance Statistics Bank:

  • At age 40, the average worker faces only a 14% chance of dying before age 65 but a 21% chance of being disabled for 90 days or more. (Insurance Information Institute)
  • 30% of workers entering the workforce today will become disabled before retirement. (Social Security Administration)
  • 43% of all people age 40 will have a long-term disability event prior to age 65. (JHA Disability Fact Book)

Becoming disabled could happen at some point during your lifetime. If the unexpected happened today, how long could you afford to pay your bills?

Disability Insurance in Snoqualmie, WA,

Paycheck Protection for Individuals & Families

Your income is a valuable asset for you and your family. Without a financial safety net in place, a sudden loss of income could mean depleting your nest egg or borrowing money from family members.

It may also mean using fundraising resources like GoFundMe to raise enough cash to cover medical expenses and other costs.

Disability insurance protects your lifestyle when you cannot work due to sickness or injury.

By replacing a portion of your lost monthly income, you can continue paying your mortgage, utilities and other monthly expenses while you recover.

Protect Your Income and Lifestyle

Taking the time now to protect your income with a disability insurance policy could mean the difference between a secure future and a devastating financial burden should you find yourself coping with a long term illness or injury that prevents you from working.

Overhead Coverage for Business Owners

As a business owner, your employees and company assets depend on you. If you become too sick or hurt to work, it’s important to have a contingency plan for covering monthly expenses, including salaries, rent and utilities. Disability insurance provides the financial protection you need to keep your business and your employees afloat during difficult times.

Get Disability Insurance Today

Whether you want short-term or long-term disability insurance, we can help you find the policy that is right for you or your business. Contact us today to get started.

Reasons to choose an Independent Agent

Save Yourself Time

By shopping with a local insurance agent, we can do the shopping for you. Get 10 quotes or more at once! We’ll provide you many choices by shopping our top insurance carriers to find you the best coverage at an affordable price.

In fact, many of our companies are likely the big ones you’ve heard of. If for any reason you want to change insurance carriers down the road, we can do that for you – you don’t need to change agents.

Get Professional Advice

Instead of guessing what coverage you might need, you can get professional advice by working with a local insurance agency.

Since we specialize in this field, we can listen to your needs and find the right coverage that matches.

We can also ensure you don’t have any gaps in coverage in the event you have an insurance claim.

Understand Your Options

Insurance can be complicated. We try to simplify the process. Not only do we want to help you understand your current insurance policy, but help if you are interested in different coverage options.

Feel confident knowing you’re informed about exactly the coverages you have and what you might want to consider.