Protect Your Income with Disability Insurance Tailored for Rhode Island Residents

Income Protection You Can Count On

Your ability to earn an income is one of your most valuable assets. At Embrace Benefits, we offer disability insurance plans for Rhode Island residents that provide financial protection when an illness or injury prevents you from working. From short-term to long-term coverage, we’ll help you find a plan that fits your needs and provides peace of mind during life’s unexpected challenges.

Guiding You Toward Financial Stability

We simplify the process of choosing disability insurance by offering personalized advice and reliable support.

Customized Coverage Options

Choose from term, whole, and universal life insurance plans to meet your unique goals and coverage needs.

Expert Guidance

Receive clear advice on policy terms, coverage levels, and how to tailor your plan to meet your unique financial needs.

Ongoing Support

From enrollment to claims assistance, we’re here to ensure your disability insurance works for you when you need it most.

Frequently Asked Questions About Disability Insurance

  • What is disability insurance, and why do I need it?

    Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury. It’s a critical safety net for Rhode Island residents, ensuring you can meet financial obligations like rent, mortgages, and daily expenses during recovery. At Embrace Benefits, we help you select coverage that fits your lifestyle and protects your financial future.

  • What’s the difference between short-term and long-term disability insurance?

    • Short-term Disability Insurance: Covers income replacement for a limited period, typically ranging from a few weeks to six months, and is ideal for temporary recovery needs.
    • Long-term Disability Insurance: Provides extended coverage, sometimes lasting years or until retirement, offering peace of mind for more severe or prolonged conditions.

    We’ll help you compare these options to find the right plan for your situation.

  • How much of my income does disability insurance replace?

    Most disability insurance plans replace 50% to 70% of your income. This percentage ensures you can cover essential expenses while encouraging a return to work when possible. Our Rhode Island-based team will guide you through policy options to ensure the coverage level meets your financial needs.

  • Does disability insurance cover pre-existing conditions?

    Coverage for pre-existing conditions varies by policy. Some plans may include a waiting period before covering pre-existing conditions, while others may exclude them entirely. We’ll work with you to identify policies that provide the best coverage based on your health history.

  • How is disability insurance priced?

    The cost of disability insurance depends on factors like your age, occupation, and the coverage level you choose. At Embrace Benefits, we focus on finding affordable options for Rhode Island residents, ensuring you get the protection you need without stretching your budget.