Disability Insurance
Protect Your Paycheck with Disability Insurance
Your Income Is Your Most Valuable Asset — Let’s Keep It Safe
What would happen if an illness or injury kept you from working for months — or even years? For most people, their income is what keeps everything moving: the mortgage, bills, groceries, family care, and future plans.
At Peace & Grace Insurance Services, we help you protect that income with affordable, personalized Disability Insurance plans.
What Is Disability Insurance?
Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury. Think of it as income protection — your financial safety net if life takes an unexpected turn.
There are two main types:
Short-Term Disability – Typically covers 3 to 6 months
Long-Term Disability – Can extend from 2 years to retirement age
What Does It Cover?
Disability insurance helps cover your everyday living expenses when you can’t work, including:
Rent or mortgage payments
Utility bills
Groceries and daily living costs
Car payments or insurance
Out-of-pocket medical expenses
This coverage is especially important for:
Self-employed professionals
Small business owners
Contractors or gig workers
Primary income earners in a household
