Disability Insurance

Disability insurance is an essential safeguard for individuals who rely on their income to meet daily living expenses. At Mike Carvalho Insurance Services, we offer disability insurance policies that provide financial protection in the event you are unable to work due to illness or injury.

Disability insurance policies can replace a portion of your income if a disabling condition prevents you from earning a paycheck. These policies are available as short-term or long-term coverage. Short-term disability insurance typically covers a portion of your income for several months, while long-term disability insurance can extend benefits for years, or even until retirement, depending on the policy terms.

With disability insurance, you can maintain your financial stability, covering essential expenses such as mortgage or rent payments, utilities, groceries, and healthcare costs. Mike Carvalho Insurance Services works with you to determine the level of income replacement you need, along with the waiting period and benefit period that align with your financial goals.

We understand that your ability to earn an income is one of your most valuable assets. Disability insurance provides a critical safety net, ensuring you can maintain your lifestyle and meet financial commitments even if you face a temporary or long-term disability. We help you compare policies and choose a plan that supports your needs.

For more information on disability insurance and how it can protect your income, contact Mike Carvalho Insurance Services today.