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About Us
Insurance products for businesses Nationwide
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Personal and Farm Ranch Insurance
Insuring personal property as well as farm and ranch operations Nationwide. Located central Montana we know Farm/Ranch
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Commercial Insurance
Insuring business through special programs Nationwide
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Sporting Goods
Specialty programs for those in the sporting good and outdoor industries
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Shoe and Clothing Retailers
Specialty Insurance for Shoe and Clothing Retailers
Disability insurance
The following blog posts have the category Disability insurance
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Fall Proofing: Preventing Falls Inside and Outside of the Home
According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
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Disability Insurance Basics
Disability Insurance is designed to reimburse lost wages in the event of a disabling accident or illness. Different policies have different stipulations but nearly all require a waiting period before disability payments begin and will reimburse for a pre-defined percentage of your income, generally 45% - 60%. There are two broad categories, Long Term Disability (LTD) and Short Term Disability (STD). Premiums and waiting periods will differ between the two types along short term and long term category lines.
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