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610-948-4830     info@ronblackagency.com

Disability

Income protection for your most
valuable asset - your ability to earn an income.

Updated Office Hours!

As we continue to monitor ongoing developments related to the coronavirus (COVID-19), please know that nothing will compromise our commitment to take care of our employees as well as our clients and the things you trust us to insure.
 

Our Agency has been in business since 1922 and we remain committed to being in business well past our current normal provides us all with a future normal. As an "essential business" under Governor Wolf's ruling, we have strategically staggered the times that we go into the office to check the mail and anything else that is needed. The lobby is currently closed but we are certainly available to communicate by phone, email and/or video chat if you like. Just reach out to either of us and we'll make arrangements that best suit your needs.


Please be assured that you always have the ability to access all of your policy information via the carriers that we have you insured with at any time by simply logging on at the carriers site or their mobile app.  Each app is a free download from your own app store if you don't have it already.  In both you have full access to your policy information including ID cards and billing.  Any bills can be paid in either the sites or their respective apps or by calling us or the carrier directly.  We realize that this may be an inconvenience for some and hope this is a short-lived response to our current healthcare situation as we do enjoy when all clients and partners come into the office.  Thank you for your consideration and please stay healthy! 

Basics and highlights

We know that nobody likes to think about sustaining an illness or becoming injured to a point that you cannot work.  We also know that it does happen from time to time.  Your most valuable asset is not your home, your car or even your personal belongings - it's your ability to earn an income that will finance your family's livelihood.  An accident or serious illness can put a strain on that livelihood and your family's financial stability.  43% of all people aged 40 will experience a long-term disability before they reach age 65.  We can help you prepare a plan that if you do become disabled and you're not able to keep those paychecks coming in week after week.  Highlights include:

  • Issue ages 18-60
  • 30, 60, 90 or 120 day elimination period
  • 1, 2, 5, 10-year or to Age 65 benefits period

The following policy enhancements can be added to most disability income policies for a small fee:

  • Partial Disability Enhancement
  • Waiver of Premium
  • Home Modification Benefit
  • Vocational Rehabitational Benefit
  • Survivor Benefit
  • Own Occupation Rider
  • Guaranteed Insurability Rider

Disability Facts

Consider the following facts related to disability income insurance then give us a call to discuss your options:

Chronic diseases such as heart disease, cancer and diabetes are the leading causes of disability in the United States.

Chronic diseases account for 70% of all deaths in the United States, which is 1.7 Million each year.

These diseases also cause one or more limitations in daily living for almost 25% of Americans. 

Our Communities

Since 1922, we have proudly insured and protected the families and business's of Royersford, Limerick, Spring City, Phoenixville, Collegeville, Schwenksville, Pottstown, Skippack, Harleysville, Souderton, Lansdale, North Wales, Chalfont, New Britain, Norristown, King of Prussia, Blue Bell and our surrounding communities.