Disability Insurance for Oregon:

How long could you make it without a paycheck? You have worked hard to give your family what they need. That's why your income is one of your most valuable assets.

If total disability took away your ability to work, your income could stop but the bills never would. With Disability Income protection you'll have the reassurance that you're prepared for the unexpected. That is real peace of mind.

Individual Disability Plans

a) Short Term Disability

Plans are for a 6 month period. With choice of elimination periods of 0, 7 and 14 days. Receive benefits in addition to Workers Compensation. And, you are covered 24 hours a day, on or off the job. Benefits are income tax-free, when the premiums are paid by you.

b) Long Term Disability

You choose the benefit period you will need: 6 months, 1, 2, 5, and 10 years, or to age 65. Also, you get to select your elimination periods: 30, 60, 90 days or longer in some instances. Receive benefits in addition to Social Security or Workers Compensation. And, you are covered 24 hours a day, on or off the job. Receive your benefits income tax-free when the premiums are paid by you.

c) Key Employee Plans

As the owner of a business, or a corporation if a key employee is disabled and it affects your operations, you will be compensated for the losses incurred.

We have plans available to cover Timber Fallers and other dangerous and less hazardous occupations.

Small Employer Group:

In Small employer groups (2-50 employees), both short term and long term disability insurance plans are available. These plans are designed individually to meet the specific needs of your group.