Disability Insurance

Your ability to earn an income is one of your most valuable assets. Disability insurance provides financial protection if you’re unable to work due to illness or injury, ensuring that you can maintain your lifestyle and meet your financial obligations. At Thomas D. O’Sullivan – New York Life, we offer customized disability insurance solutions to help you plan for the unexpected.

Disability insurance replaces a portion of your income, allowing you to cover essential expenses like housing, utilities, and medical bills. It acts as a safety net, providing you with financial stability during a challenging time. Whether you’re the sole breadwinner or share financial responsibilities, this coverage is vital for protecting your family’s well-being.

Policies vary in terms of coverage and duration. Short-term disability insurance typically provides benefits for a few months, while long-term disability insurance extends coverage for several years or until retirement age. The choice depends on your occupation, financial needs, and existing savings.

A common misconception is that disability insurance is only for high-risk jobs. In reality, injuries or illnesses can happen to anyone, regardless of occupation. Protecting your income ensures that you’re prepared for any scenario, enabling you to focus on recovery without financial stress.

At Thomas D. O’Sullivan – New York Life, we take the time to understand your needs and craft a policy that fits your situation. By integrating disability insurance into your financial plan, you can achieve peace of mind knowing that your income is secure. Reach out today to learn how this coverage can support your goals.