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Disability is intended to cover a portion of income when sickness or injury prevents a person from earning a living. While the risk or long-term disability during a worker's career is greater than the risk of premature death, most workers purchase life insurance protection for their families but do not consider disability coverage. (“Cancer Facts and the War on Cancer". LIMRA. 2007.)

  • A male U.S. worker at age 35 faces a one-in-five chance of a disability taking him off his job for 90 days or longer. (America's Health Insurance Plans (AHIP): Guide to Disability Income Insurance 2009)

  • Before a 35-year-old woman reaches retirement age, she faces a nearly 1 in 3 risk of a disability lasting at least 90 days. (National Association of Insurance Commissioners (NAIC); Commissioner's Individual Disability Table A (1985); Statistical Abstract of the United States)

Long Term Disability

Insurance protects an employee from loss of income in the event they become sick or hurt typically for period of a couple of years or more. Estimates are a typical disability will last about 2.5 years. Policies can cover you for periods of as little as two years or up to age 65. Long term disability can be bought by both employers and individuals alike. A policy will pay somewhere between 50% and 70% of the persons pre-disability income.

Short Term Disability

Insurance is a form of sick pay that can last anywhere for 3 to 6 months. It is offered on a flat benefit basis such as $200 per week or $500 per week. This coverage is generally offered as part of an employer’s benefit package. It is not available as an individual coverage. It will generally have a one day waiting period for accidents and a 7 day waiting period for sickness. The waiting periods can be customized to some extent.

For Groups or Individuals

Disability coverages can be offered by your employer or association on a group basis. Long Term Disability can also be purchased as an individual. Short Term Disability coverage is generally only offered to groups.

Company informations

M.R. Insurance Partners Agency, Inc.
Mark Ruzic
3310 Prospect Avenue
Cleveland, OH 44115

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E-mail address:

(216) 361-9797

Available 8:00am - 5:00pm