"Blueprints for Life"
203 753 9071
Disability
Disability Insurance
Disability Insurance helps to protect your most valuable asset, your ability to earn an income. A long-term disability could suspend or terminate your income for an extended period of time.
Individual Disability Insurance
Purchased by an individual to protect his or her ability to earn an income.
Insurance Products
Disability Income:
 Disability Income insurance replaces a portion of earned income lost due to a total or partial disability.
Interim Term:
 Interim Term Disability Insurance provides temporary coverage until an employee qualifies for employer-sponsored disability coverage.
Disability Overhead Expense:
 Disability Overhead Expense reimburses a business owner for covered overhead expenses of his or her business that continue during a period of partial or total disability.
Key-Person Disability:
 Key-Person Disability coverage provides a benefit to the business in the event the key employee is disabled.
Disability Buy-Out Coverage:
 Disability Buy-Out Coverage helps fund a disability buy-out agreement with installment or lump-sum payments.
Group Disability Insurance
Purchased by an employer to protect employees against the loss of income due to a disability.
Insurance Products
Small Group Long Term Disability:
 Small Group Long Term Disability Insurance provides monthly benefits for disabilities lasting longer than 13 or 26 weeks and is available to employers with three to nine employees.
Small Group Short Term Disability:
 Small Group Short Term Disability Insurance provides weekly benefits for disabilities up to 26 weeks and is available to employers with three to nine employees.
Large Group Long Term Disability:
 Large Group Long Term Disability Insurance provides monthly benefits for disabilities lasting longer than 13 or 26 weeks and is available to employers with ten or more employees.
Large Group Short Term Disability:
 Large Group Short Term Disability Insurance provides weekly benefits for disabilities up to 26 weeks and is available to employers with ten or more employees.
The Freeman Group  |  1525 Hamilton Ave  |  Waterbury, CT 06706Phone: 203 753 9071  |  Fax: 203 575 0442
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