Disability

Careful planning for your financial future includes considering possibilities that might disrupt your finances and routine. That includes insuring yourself against accidents or illness that might result in a disability.

Insphere Insurance Solutions® offers a wide range of disability options designed for individuals as well as policies specific to businesses. Customize your coverage and choose payment options to cover deductibles, copayments, or your daily living expenses while you recover. With Insphere’s wide range of supplemental disability options you can find the coverage that works best for you.

Accident Disability

Being financially prepared for the unexpected is no accident. Insphere offers a disability plan* that pays you a direct monthly benefit when an accident leads to a short-term disability. Use your benefit to help with deductibles, copayments, or daily living expenses during your recovery. Customize an accident-related short-term disability plan to meet your specific needs by choosing a benefit level from $1,000 to $2,500 per month.

Accident & Sickness Disability

Any disability that disrupts your income can affect more than your health. Insphere’s Accident & Sickness Disability** is a short-term disability plan that covers sickness and accidents. You can choose the benefit level, from $1,000 to $2,500 a month, and then use that payment for the expenses that need to be covered while you are temporarily disabled. Calm the financial worries that arise when an accident or illness results in a disability with Income Protection Plus’ monthly direct benefit.

The Plus Group

Insphere partners with The Plus Group Texas to provide our customers with disability options from Assurity Life Insurance Company, The Principal Financial Group®, The Standard Insurance Company, MetLife, and Petersen International Underwriters/Lloyd's of London. These disability offerings¹ provide disability options covering both individuals and businesses.

Businesses face specific risks when a disability occurs to an owner, partner or key employee. Through The Plus Group, we offer plans that can provide monthly income payments and lump-sum payments — plans that cover business-related items such as buy-sell, overhead expenses and even a buy-out policy for businesses operated by partners.

*Underwritten by The MEGA Life and Health Insurance Company, The Chesapeake Life Insurance Company (Policy Series 25916-P, CH-26114-IP) Elimination periods do apply and benefit amounts are subject to terms of plan. Plan availability varies by state.

**Underwritten by The MEGA Life and Health Insurance Company, The Chesapeake Life Insurance Company  (Policy Series 25915-P, CH-26115-IP) Elimination periods do apply and benefit amounts are subject to terms of plan. Plan availability varies by state.

¹Insphere offers disability income products provided by The Plus Group, recognized experts in the disability industry.