Protect Your Income. Protect Your Future.
Your ability to work is one of your most valuable assets.
If an accident or illness prevents you from working, the bills don’t stop. Mortgage or rent, utilities, groceries, and other everyday expenses still need to be paid—even when your paycheck stops.
Disability insurance can help provide financial protection when you can’t work because of a covered disability.
At Barnett & Associates, Inc., we help individuals find coverage designed to help protect their income and provide greater peace of mind when the unexpected happens.
Coverage for Life’s Unexpected Moments
An accident or serious illness can happen when you least expect it. Disability insurance is designed to help provide benefits when a covered injury or sickness affects your ability to work.
Depending on the plan, disability coverage may help with:
- Loss of income due to a covered disability
- Accident-related disabilities
- Sickness-related disabilities
- Expenses that continue while you’re unable to work
- Financial obligations for you and your family
The specific benefits, eligibility requirements, exclusions, limitations, and waiting periods vary by plan. Our team can explain the details so you can make an informed decision about your coverage.
Disability Insurance for Longshoremen
Protection Both On and Off the Job
Barnett & Associates has a specialized focus on Longshoremen and ILA members.
We provide disability insurance designed specifically for Longshoremen, with coverage that can protect you both on and off the job. Our Longshoremen-focused offerings include Accident Disability and Sickness Disability coverage, along with other benefits designed to help protect you and your family.
When your livelihood depends on your ability to work, protecting your income is essential.
Accident Disability
An unexpected accident can leave you unable to work and facing expenses you weren’t prepared for.
Accident Disability coverage is designed to provide benefits following a covered accident and qualifying disability. It can help provide a financial cushion while you focus on recovering and getting back to work.
Sickness Disability
Not every disability is caused by an accident.
A sickness or medical condition can also prevent you from working. Sickness Disability coverage is designed to provide benefits when a covered illness results in a qualifying disability.
Having protection for both accidents and sickness can give you more comprehensive financial protection against unexpected interruptions to your income.
Why Disability Insurance Matters
Your Paycheck Supports Your Life
For most working people, income is essential to maintaining their lifestyle and supporting their family. Disability insurance can help replace a portion of that income when a covered disability prevents you from working.
Your Bills Don’t Take a Break
Even if you’re unable to work, your financial responsibilities continue. Disability benefits can help you manage eligible expenses while you’re recovering.
Protect Your Family
Your income may support more than just you. Protecting that income can also help protect the people who depend on you.
Coverage Made Easier to Understand
Insurance doesn’t have to be confusing.
Our agents and staff are available to answer your questions, explain your coverage options, and help you understand the terms of your plan. And if you ever need to file a claim, we’re here to help guide you through the process.
We also provide brochures and plan information to help you better understand available products and benefits.
Get the Protection You Need
Don’t wait until an accident or illness happens to think about protecting your income.
