Contact Us: (702) 996-6434
Life | Health | Medicare | Auto | Home | Business Insurance
  • Welcome
  • Insurance Quotes
    • Car Quotes >
      • Auto Insurance Quote
      • RV Insurance Quote
      • Classic Car Insurance Quote
      • Scooter Insurance Quote
      • Motorcycle Quote
      • Roadside Assistance Quote
    • SR22 Insurance
    • Property Quotes >
      • Home Insurance | Las Vegas, NV
      • Renters Insurance Quote
    • Business Quotes >
      • Professional Liability
      • Business Owners Insurance Quote
      • Business Medical Insurance
      • Surety Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
      • Global Medical Insurance
      • Hometown Health Insurance
      • Individual Temporary 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 >
      • Term Life Insurance
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
    • Event Insurance Quote
    • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Travel Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Products
    • Motor Vehicles >
      • Auto Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
      • ATV Insurance
      • Roadside Assistance
    • Property >
      • Real Estate Investor Insurance Package
      • Home Insurance
      • Short Term Rental Homes
      • Renters Insurance - Las Vegas, Nevada
      • Vacant Home Insurance
    • Business >
      • Group Health Insurance
      • Commercial Truck Insurance
      • Business Owners Insurance Policy
      • Surety Bonds
      • Workers Compensation
      • Beauty Salon Liability Insurance
      • Tow Truck Insurance
      • Semi Truck Insurance
    • Event Insurance
    • Umbrella Insurance
    • Health >
      • Health Insurance
      • Health Savings Account
      • Critical Illness Insurance
      • International Travel Insurance
      • Dental Insurance
      • Home Healthcare
      • Medicare Supplement | Las Vegas
      • Vision Insurance
    • Life/Financial >
      • Final Expense Insurance
      • Life Insurance
      • Financial Planning
      • Annuities
      • Disability Insurance
      • Health Savings Account
    • Vacation Insurance >
      • Boat Insurance
      • Travel Insurance
  • Blog
  • About
    • Client Login
    • Careers
    • Staff Directory
    • Press Release
    • Licensing and Insurance
    • Legal Notice
    • Privacy Policy
    • Las Vegas Community
    • Digital Marketing
    • Insurance Carriers
    • Community Resources
    • Client Testimonials
    • Refer a Friend
    • Accessibility Statement
    • Insurance News
  • Contact
    • Schedule Appointment
  • Welcome
  • Insurance Quotes
    • Car Quotes >
      • Auto Insurance Quote
      • RV Insurance Quote
      • Classic Car Insurance Quote
      • Scooter Insurance Quote
      • Motorcycle Quote
      • Roadside Assistance Quote
    • SR22 Insurance
    • Property Quotes >
      • Home Insurance | Las Vegas, NV
      • Renters Insurance Quote
    • Business Quotes >
      • Professional Liability
      • Business Owners Insurance Quote
      • Business Medical Insurance
      • Surety Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
      • Global Medical Insurance
      • Hometown Health Insurance
      • Individual Temporary 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 >
      • Term Life Insurance
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
    • Event Insurance Quote
    • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Travel Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Products
    • Motor Vehicles >
      • Auto Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
      • ATV Insurance
      • Roadside Assistance
    • Property >
      • Real Estate Investor Insurance Package
      • Home Insurance
      • Short Term Rental Homes
      • Renters Insurance - Las Vegas, Nevada
      • Vacant Home Insurance
    • Business >
      • Group Health Insurance
      • Commercial Truck Insurance
      • Business Owners Insurance Policy
      • Surety Bonds
      • Workers Compensation
      • Beauty Salon Liability Insurance
      • Tow Truck Insurance
      • Semi Truck Insurance
    • Event Insurance
    • Umbrella Insurance
    • Health >
      • Health Insurance
      • Health Savings Account
      • Critical Illness Insurance
      • International Travel Insurance
      • Dental Insurance
      • Home Healthcare
      • Medicare Supplement | Las Vegas
      • Vision Insurance
    • Life/Financial >
      • Final Expense Insurance
      • Life Insurance
      • Financial Planning
      • Annuities
      • Disability Insurance
      • Health Savings Account
    • Vacation Insurance >
      • Boat Insurance
      • Travel Insurance
  • Blog
  • About
    • Client Login
    • Careers
    • Staff Directory
    • Press Release
    • Licensing and Insurance
    • Legal Notice
    • Privacy Policy
    • Las Vegas Community
    • Digital Marketing
    • Insurance Carriers
    • Community Resources
    • Client Testimonials
    • Refer a Friend
    • Accessibility Statement
    • Insurance News
  • Contact
    • Schedule Appointment


Nevada 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

get a quote
Contact Us

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.
(702) 996-6434​
1415 Arville Street
Suite 102E
Las Vegas, NV 89102
Click Here to Email Us
Disability Insurance Quote

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login
Employee Scheduling
Employee Intranet
Employee Training 

Connect With Us

Picture

Share This Page

Contact Us

Insurance Group of Nevada
Graphic Arts Plaza 
1415 Arville Street 
​Suite 101
Las Vegas, NV 89102
Office: (702) 996-6434
Toll Free: 1-877-732-7603
Emergency: 1-702-420-6373​
Click Here to Email Us
Review Us

Location

Website by InsuranceSplash

Proudly serving families since 2011 ​

Personal lines insurance products sold exclusively through affiliated insurance companies. 
Health Insurance is sold through the health insurance marketplace, and direct health insurance carriers. All insurance plans are subject to final underwriting review and review by the respective insurance carrier.  In California our independent insurance agency operates as Thompson-Penny Insurance Agency CA License 6008499 

NV License: 3565074                                                   LA License:  997068                                                         VA License:  Dante Thompson -  
817570
CA License: 6008499                                                   FL License:  Dante Thompson - W893661          SC License:  Dante Thompson - 16204902
AZ License: 
3002038503                                         NC License: 3002107493
TX License: 2868598                                                   NJ License:  3002112144

Privacy Statement 

By accessing this website  you are agreeing to be bound by these terms of service, all applicable insurance laws and regulations, and agree that you are responsible for compliance with any applicable insurance local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. This website uses SSL secure data transmission to prevent unauthorized use and retrieval.  This website has been embedded with the Google translate tool to accommodate multiple languages across our website. However do the accuracy of Google translate we do not endorse or promote Google translate. Google translate is for your convenience.