Disability Insurance2024-10-07T08:57:47-04:00

Disability
Insurance

Disability Insurance

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Quotes from 350+ Carriers:

progressive insurance
auto owners insurance
travelers insurance
nationwide insurance
liberty mutual insurance
allstate insurance

Save up to 37% with Fearnow Insurance

Many Americans are living paycheck to paycheck – just making enough to get by each day, every week, every month. A bad accident or illness could leave them in financial distress. That’s why it is important to consider having Disability insurance to help you to continue to pay those bills when you can’t make it to work because of your injury or illness.

The money you receive from your Disability insurance can be used on a number of things including:

  • Mortgage or Rent
  • Utility Bills
  • Car Loan
  • Student Loan
  • Groceries
  • Doctor Bills
  • Or Other Monthly Expenses

What Our Customers Say

Jared Arnold at Fearnow Insurance, Inc. provided incredible support for our church, GracePoint Church in Plant City. He helped us save over $40,000 annually on our insurance premiums, while also increasing our coverage significantly. Jared's professionalism, attention to detail, and outstanding client service made the process effortless and reassuring. We highly recommend Jared and Fearnow Insurance for any church or non-profit seeking quality coverage and substantial savings!
Robert Olszewski
18:21 25 Mar 25
Matt Wink, is my astute and kind, agent supreme at Fearnow Insurance. Most recently, he patiently and wisely guided me through the claims process after my home was damaged by Hurricane Milton. Even when I was "losing it", he was professional, calm and the voice of reason for my husband and I. Cudos to Matt and all of the staff at Fearnow Insurance who worked tirelessly and relentlessly throughout all of the hurricanes and storms, year after year here in Florida.Matt will always shop around for the best policies for your home, cars and boat each and every year and tailor those he finds to your personal and finanacial needs. I have lived in Florida for 10 years and I have been with FearNow all of that time.A FINAL WORD OF CAUTIONARY ADVICE: YOUR HOME AND VEHICLES ARE YOUR BIGGEST FINANCIAL INVESTMENTS/ASSETS, SO DO NOT MAKE THE MISTAKE OF NOT INSURING THEM PLEASE! JUST CALL MATT WINK!Laura L Vahey
LAURA VAHEY
20:29 23 Mar 25
Justin helped me over the phone yesterday and I must say he was very nice and took the time to get my payment done. Thank you again Justin!!
Sheila Phoenix
21:10 13 Mar 25
Lamarr was great! I needed a revision of my homeowners policy and Lamarr was professional and very helpful! Thank you!
Brenda Roberts
12:50 06 Mar 25
Joe did a great job putting my homeowners policy together. He was very responsive and answered all my questions. I highly recommend Joe and the Fearnow team.
Patrick Toohey
23:07 05 Mar 25
Great knowledge of the market and an aggressive approach to finding suitable coverage for his clients.
Frank Comparetto
21:36 28 Feb 25
My husband and I had a wonderful experience with Joseph , he was able to help us through the whole process in obtaining insurance , at a good rate that fitted our budget and no one was able to get it for us ,. His costumer service exceeded our expectations , we’re so thankful for his service and expertise in the field . Thank you Joseph ! I will highly recommend him 100%.
Karla Colon
19:13 21 Feb 25
I had an excellent experience working with Joe Boyle on my auto and home insurance. He was knowledgeable, responsive, and made the entire process seamless and stress-free. I secured great coverage at a competitive rate, and his customer service was top-notch. Highly recommend!
Agustín Schuster
17:10 19 Feb 25
We are buying our first commercial property and Brian was AMAZING!!! He made sure we had all the proper coverages and answered all of our questions almost as soon as we sent them. I never dreamed setting up new insurance would be this easy. Brian is the BEST
Tracey Van Kleeck
19:59 05 Feb 25
I was searching for auto insurance that was reasonably priced with adequate coverage and found Fearnow Insurance on an internet search. Following only instincts I contacted them from the list and Lydia, the agent, answered the phone. She patiently handled all my questions and endured my gripes about a few carriers. Before we ended the call, Lydia and I were processing a new policy. She literally saved me thousands - thank you!
Judith Carney
17:34 03 Feb 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Some employers may offer Disability insurance, but these days many companies are opting out of providing this coverage in order to cut expenses.  If your employer does not offer any Disability options, it is important that you consider getting coverage for yourself.

Disability insurance is available in four categories.  The first two are the most well-known:  Short Term Disability and Long Term Disability.  The other categories include coverage for Mortgage Disability insurance and Individual Credit Disability insurance.

Short Term Disability (STD) Insurance

Short Term Disability is a type of financial benefit that pays a monthly allowance if you become ill or injured, and are unable to work.  Generally, the benefit pays $300 to $3,000 per month, depending on your income and occupation.  Options are available for a one year or three year term of benefits.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

Long Term Disability (LTD) Insurance

Long Term Disability, like Short Term Disability insurance, is a type of financial benefit that pays a monthly allowance should you ever become too ill or injured to work.  Under Long Term Disability insurance, you can select how long you want your “Elimination Period” to be (the length of time you must be disabled before you can start receiving benefits).  You also have the option to choose between a 5 year benefit period or an up-to-age-67 benefit period.  The maximum monthly allowance under Long Term Disability is $500 to $20,000.  This benefit amount is also based on your income and occupation prior to becoming disabled.

Mortgage Disability Insurance

Unlike STD or LTD insurance, Mortgage Disability insurance provides a financial benefit for the sole use of making your mortgage payment. Mortgage Disability insurance benefits begin only when you are totally disabled due to an illness or injury, and the benefit period can last up to 3 years.

Individual Credit Disability Insurance

Aside from being able to make your mortgage or rent payment, another major concern when you are disabled, is making sure you can continue to pay your creditors and not cause any damage to your credit.  Individual Credit Disability insurance helps with that.  Your lenders are provided with a direct payment – so you don’t have to worry about a thing!