The Overstreet Agency has designed a comprehensive and robust disability income insurance plan through Ameritas. With this reliable insurance policy, you will have a portion of your income replaced if you are unable to work due to a sudden illness or injury. The main objective of this plan is to cover life essentials like rent, a mortgage, car payments, groceries, educational expenses, and other normal living expenses while you are unable to earn an income. Whether you’ve received an unexpected chronic diagnosis, require surgery, have a long-term illness, or are experiencing any other physical or mental disability, disability income insurance can help you rest easy, knowing your lost wages will be covered.

How does disability income insurance work? You’ll make monthly payments toward your disability policy, just as with medical or car insurance. If the unexpected should occur, your disability income contributions will be paid back to you to replace a portion of your wages, making it possible for you to pay bills, buy groceries, and cover all necessary expenses during your hiatus from work. If you’re asking the question, “Is disability income insurance worth it,” you most likely have your answer!

With Overstreet, you can depend on partial income replacement, usually around 50-80% of your salary. We cover both illness-related and injury-related disabilities. If you have cancer, heart disease, a mental health disorder, or other long-term illness, you are a good fit for an income replacement policy. Similarly, if you have a more short-term injury such as an accident, break, tear, injury, or surgery, you can access your income disability funds. Our coverage can be short or long term, lasting weeks, months, or years.