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Insurance Myths

Myth #17: If I’m not at fault in an accident, the other person will pay.
This assumes he has coverage. Some people have no insurance or only minimal insurance that won’t cover damage they cause to others. Even if you sue them, you may not be able to recover damages. The best way to protect yourself is having good limits on your own policy for the specific parts that cover being hit by an “uninsured" or “underinsured” driver.

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Disability Income Insurance

Disability income can help protect your most valuable asset, your ability to earn a living. When you can't work, it can help you and your family:

  • Keep a roof over your head
  • Maintain your daily routines
  • Rest easy knowing the bills will get paid

Disability income insurance provides a monthly benefit for loss of income because of covered injuries or illnesses. After a predetermined time period, it typically pays a percentage of your income for as long as you're disabled, under your contract.

Determine Your Need

How would you pay your bills if you were sick or injured? What are the odds that you will need disability insurance? Get answers to these important questions.

If your paycheck suddenly stopped because of a disability, you'd still have to pay your mortgage or rent, utilities, car payment, groceries - and all your other monthly expenses.

What are the odds?

  • An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65.
  • Close to 90 percent of disabling accidents and illnesses are not work-related.
  • Only 34.1 percent of almost 2.2 million people who applied for Social Security disability benefits were approved in 2007.
  • 70 percent of the private sector workforce has no long-term disability insurance.

Our Disability Plans

Get more details on Morris Insurance Agency's disability products. Whatever your needs, we'll help you find the policy that's right for you.

It's your choice. Which one works for you?

  • Short-Term Accident Only
  • Short-Term Accident/Sickness
  • Long-Term Accident/Sickness
  • Business Operating Expense

Why Choose Us?

When you're considering purchasing a disability insurance policy, it's important to look for a company you can trust.