Disability Insurance

We conduct a thorough income replacement analysis examining your current income, existing coverage gaps, employer benefits, and financial obligations to identify exactly how much of your paycheck is at risk if you can’t work. From there, we match you with the right disability policy structure: the correct elimination period, benefit period, definition of disability, and riders that protect your income without overpaying for coverage you don’t need.

7 Reasons to Get Disability Insurance:

Your income is your most valuable asset not your house, not your car. If you can’t work, everything built on that income is at risk.
Illness (not accidents) drives most claims. Nearly 90% of long-term disability claims are caused by illness, not accidents, and most aren’t work-related meaning workers’ comp won’t save you.
Social Security won’t cut it. From 2014 to 2023, only 30% of SSDI claimants were approved. The process takes months, often years, with over 340,000 pending appeals hearings as of early 2026.
Short-term savings run out fast. Nearly 4 in 10 American adults can’t cover an unexpected $400 expense without going into debt; a months-long disability would be catastrophic without a benefit check coming in.
It protects your home. 48% of home foreclosures are the result of disability far outpacing job loss or death as the leading cause.
The younger you are, the cheaper it is and the more you need it. The Social Security Administration estimates 1 in 4 of today’s 20-year-olds will experience a long-term disability before reaching age 67, yet most young workers assume it’s a senior’s problem.
Employer coverage is usually inadequate. Group policies often cap at 60% of base salary, exclude bonuses, and disappear the moment you leave the job leaving you exposed exactly when you can least afford it.

Roughly 30% of people between the ages of 35 and 65 will suffer a disability lasting at least 90 days, and about 1 in 7 can expect to be disabled for five years or more that's not a blip, that's a financial crater.

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Most people insure their life without a second thought, yet almost no one thinks about the far more probable scenario: being alive but unable to work. A disability doesn’t just stop your paycheck it actively increases your expenses through medical bills, rehabilitation costs, and the daily realities of managing a serious condition. Over 51 million working Americans have no disability insurance beyond basic Social Security, meaning the majority of the workforce is exposed to a risk statistically more likely than death itself.You are three and a half times more likely to need disability coverage during your career than you are to die and need life insurance. Life insurance protects your family if you’re gone; disability insurance protects your family while you’re still here but unable to provide. The tragedy of going uninsured for disability isn’t a sudden one it’s the slow erosion of savings, retirement accounts, and stability over months or years of lost income. At Zimmer & Associates, we help clients close this gap before a diagnosis or injury forces the conversation because by then, it’s too late to qualify.

A possible piece of your financial puzzle may be an annuity. What are annuities?

Today, an annuity means a contract with an insurance company, and that term, “annuity,” can mean different things—for example, variable or fixed indexed annuities.

Annuities can vary in four ways:

The premiums you pay. The money you use to purchase a contract is called the “premium,” and annuities can accept either a single premium or a series of ongoing premiums.

When the company makes payments to you. Payments can start immediately or be deferred to a date of your choosing.

How the premium earns interest. Interest is either earned by a rate agreed upon in advance or by crediting interest based on an external market-based index like the S&P 500 index. The two main types are variable and fixed or fixed indexed annuities.

Penalties associated with early withdrawals. Although you can earn interest in an annuity, it is not a savings account. If you buy an annuity, it should be used to reach long-term goals. All annuities have surrender charges, so make sure your adviser helps you understand them.

One aspect of financial consulting that we provide is having a certified Social Security Advisor:

We will walk you through the process of filing for social security. We will answer the questions of where to file, when to file, how to file, and who you should file. We have invested in extremely technically advanced software that will allow us to give you those answers and will be able to calculate the difference of income for each possible scenario.

We can show you when is the best time to file, to maximize your benefit so you don’t miss out on money that you are entitled to!

"They made it a simple and easy process to get our small group enrolled in their Health Plans for the year. They find us the best bang for our buck and listen to what our personalized health needs are for that year, such as upcoming surgeries or prescription coverage."

“They helped me with my health insurance and were very prompt with responding and thorough with directions to help me save money fast”

“Excellent response time with questions and quotes. They work with you every step of the way. Friendly, professional. I wouldn’t take my business anywhere else”

Our Clients Say

We take great pride in our client satisfaction. Please see some of the many reviews and feedback we get from our wonderful client base.

Ask yourself This...

There are many questions our clients have asked over the years and we love to hear from them, if you have any questions please look to your right or below to see if they may be answered already.

If not, please reach out to us as we would be more than happy to answer any question or concern you may have.

“Where do I want to go?”

That’s the most important question to our team.

“What is the state of my retirement income plan right now?”

Our team needs to know where you are to help you get where you want to go.

“Can my agent help me build a retirement income plan for the next year, and the next three to five years?”

There’s rarely one way to get from Point A to Point B. We provide the pros and cons for each scenario and helps you make a retirement income plan for your individual situation. Our team gives you the tools. It’s your job to make the decisions.

“Will my agent help me stick to my retirement income plan?”

Everything leads up to this point. You have to execute on what you agreed on with our team or nothing happens. We will encourage you to follow through, stick to your retirement income plan, and keep making progress toward your goals.

“Is the plan continuing to work? Will my agent help me adjust my plan based on evolving risk tolerances and life circumstances?”

Change is constant. As times evolve, so might your needs. Our team will work with you to update your retirement income plan as needed, to analyze new information, and to make sure you’re happy with your services and products.

Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives. Any references to protection or lifetime income refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. 19644 – 2020/1/15

The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.