California Individual Disability Insurance

Individual disability insurance is used to replace lost income if you are disabled or cannot work due to an injury or illness. At Moore & Miller Inc., we can tailor a California disability insurance policy to fit your individual needs. Many studies say that Americans can have a long-term disability by the age of 65, so this complement to your health insurance is necessary.

An individual disability insurance policy is a good way to cover income losses even with those who have some employer-paid coverage. Typically, disability premiums paid by you are not taxes but employer-paid benefits are. There are 2 types of individual disability insurance policies - long-term and short-term.

Basic ways of disability insurance in California

• Individual disability income policy
• Social Security disability benefits
• Employer paid benefits

Let a Moore & Miller Inc. agent explain the different options you have when considering individual disability insurance in Capitola, California including the Aptos, Capitola, Santa Cruz, Scotts Valley, and Watsonville areas.