Contact Us: ​(310) 733-2390
Germani Insurance Services, Inc.
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  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Error & Omission Quotes
      • Contractors Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
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      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
      • Travel Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Business >
      • Error & Omission Insurance
      • Contractors Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Supplement Coverage
      • Vision Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Umbrella Insurance
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
      • Travel Insurance
      • Wedding Insurance
  • About
    • Our Company
    • Refer a Friend
    • Client Testimonials
    • Insurance Carriers
    • Accessibility Statement
    • Agency Photo Gallery
    • Blog
    • News
  • Videos
    • Auto >
      • Auto Insurance Explained
      • Teen Driver FAQs
      • Selecting The Appropriate Liability Coverage
      • How to Save Money on Your Auto Insurance
      • Save Big on Maintenance with an Extended Warranty
      • What To Do If You're In An Accident
    • Home >
      • Homeowner Insurance FAQs
      • Renters Insurance FAQs
      • How Landlord Insurance Can Protect Your Property and Rental Income
      • Condo Insurance FAQs
      • The Importance of a Home Inventory Checklist
      • What's Not Included In A Standard Homeowner's Policy
      • How To Protect Your Most Treasured Possesions
      • Earthquake Insurance FAQs
      • How to Save Money on Your Homeowners Insurance
      • Should You Insure Your Home at Market Value, or Replacement Cost?
      • Flood Insurance Made Easy
    • Life/Financial >
      • How to Protect Your Family From Financial Hardship
      • Term vs Permanent Life Insurance
      • How Much Life Insurance Do You Need?
    • Other >
      • Bundle & Save
      • How Umbrella Insurance Can Protect You & Your Family
      • Do You Have Enough Umbrella Insurance
      • Protecting Yourself Against Identity Theft
      • The Value of Working with an Independent Insurance Agent
      • How Commercial Umbrella Insurance Can Protect Your Business
      • How Commercial Earthquake Insurance Can Protect Your Business
      • How Commercial Flood Insurance Can Protect Your Business
      • How Professional Liability Insurance Can Protect You From Costly Lawsuits
      • If Your Business Got Sued, Are Your Personal Assets at Risk?
      • Cyber Attack Protection
      • Employment Related Lawsuit Protection
      • Is your business income protected?
      • Does Your Business Need Hired and Non-Owned Commercial Vehicle Insurance?
  • Contact


Disability Insurance

Did you know more than 1 in 4 people today will become disabled at some point before retirement? It only takes a few minutes to find out how we can protect your future.

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What is Disability Insurance?

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. 

For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD).

Statistics show that in the US a disabling accident occurs on average once every second. In fact, Nearly 18.5% of Americans are currently living with a Disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.

Types of Disability Insurance

Individual Disability Insurance - Those whose employers do not provide benefits, and self-employed individuals who desire disability coverage, may purchase policies. Premiums and available benefits for individual coverage vary considerably between companies, occupations, states and countries. In general, premiums are higher for policies that provide more monthly benefits, offer benefits for longer periods of time, and start payments of benefits more quickly following a disability claim. Premiums also tend to be higher for policies that define disability in broader terms, meaning the policy would pay benefits in a wider variety of circumstances.

High-limit Disability Insurance - High-limit disability insurance is designed to keep individual disability benefits at 65% of income regardless of income level. Coverage is typically issued supplemental to standard coverage. With high-limit disability insurance, benefits can be anywhere from an additional $2,000 to $100,000 per month. Single policy issue and participation (individual or group long-term disability) coverage has gone up to $30,000 with some companies.

Key-person Disability Insurance -  Key Person Disability Insurance provides benefits to protect a company from financial hardship that may result from the loss of a key employee due to disability. The company can use the benefits to hire a temporary employee should the disabled employee's disability appear to be short-term. In the case of permanent disability, benefits are used to help defray costs related to hiring a replacement, including recruitment, training, startup, loss in revenue and unfunded salary continuation costs.

Business Overhead Expense Disability Insurance - Business Overhead Expense (BOE) coverage reimburses a business for overhead expenses should the owner experience a disability. Eligible benefits include: rent or mortgage payments, utilities, leasing costs, laundry/maintenance, accounting/billing and collection service fees, business insurance premiums, employee salaries, employee benefits, property tax, and other regular monthly expenses.

Contact us to learn more about the disability insurance coverage for you.
(310) 733-2390
3415 S Sepulveda Blvd
11th Floor
Los Angeles, CA 90034​
Click Here to Email Us
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Germani Insurance Services, Inc.
CA license # 0I43584
3415 S Sepulveda Blvd
​11th Floor
Los Angeles, CA 90034
(310) 733-2390​
Click Here to Email Us

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