THE BAR ASSOCIATIONS INSURANCE AGENCY
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Disability Income Insurance


​​In the event of an unexpected illness or injury that prevents you from earning an income, disability income insurance - either a group or individual policy - can help by replacing a portion of your income to help meet expenses during that disability.
Options that may be available with a disability income insurance policy:
  • Inflation protection
  • Ability to increase benefit amount with no additional  medical underwriting
  • Benefits paid for a partial disability
  • Protection for retirement contributions
  • Catastrophic disability income benefit
In the event of the disability of a partner/owner in a practice, there are a number of things that disability income insurance can help with:
  • Paying the operating expenses of the business
  • Funding partnership buyouts
  • Replacing lost earnings of a partner/owner or an employee on a tax-advantaged basis to the business
  • Providing return-to-work benefits to a partner/owner or his or her employees
  • Protecting and maintaining retirement contributions of a partner/owner or of an employee​
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Member Advantages:
  • Premium discount - 10%
  • “Modified own occupation” or “own occupation” definition of disability
  • Guaranteed level premiums to age 65
  • Non-cancelable (premiums and benefits stated in the policy cannot be changed as long as premiums are paid on time)
  • Guaranteed renewable coverage
Not a MSBA YL member?
Not a BABC YLD member?

​To speak to a licensed insurance representative email Danielle Kirschner, CFBS or call 516-408-5635
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  • Home
  • Professional Liability
  • Health Insurance
  • Life Insurance
  • Disability Income Insurance
  • Cyber Security
  • Pet Insurance
  • Personal Insurance
  • Commercial Insurance
  • Long Term Care Insurance
  • Senior Health Benefits
  • Contact