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Get an instant disability quote. Your paycheck is your greatest asset. Disability insurance provides income which will help pay your bills and take care of you and your family if you are unable to work. Disability insurance is income protection.

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  • Income Protection

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Learn about disability insurance

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Let's face it, disability happens. It could happen to YOU. Have questions about disability insurance and why it's so important? We have the answers.

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Understand how to protect your income and get a quote

Understand


CCPiNSURE is here to help you understand the procees of getting disability insurance, how much coverage you need, and what plan is best for you.

HOW IT WORKS

Get a free quote

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Get an instant free quote online or call us anytime at 1-203-792-7300. Decide on a plan that fits your needs and enroll online in less than 10 minutes.

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About YOU


Disability insurance is what pays the bills, buys the food, and maintains your lifestyle while you are unable to work. Sometimes you are not able to work for a few months, a year or more and for some they are unable to work the remainder of their lives. HOW LONG CAN YOU SUPPORT YOURSELF AND YOUR FAMILY WITHOUT AN INCOME? The answer for everyone is different, but check out this calculator to see what you stand to lose - it just takes one minute.


1 in 4 will become disabled


About Us


We are a leading online source of disability insurance quotes and income protection for individuals. We aim to find the right fit and the right price for each client’s unique situation.

When it comes to disability insurance, one size does not fit all. We use an unbiased approach to help our clients choose the BEST plan from a number of leading insurers. At CCPiNSURE, we have:

  • Over 40 years of experience
  • Helped insure tens of thousands of individuals
  • Created patented insurance programs
Our experts are licensed professionals who help clients navigate the income protection landscape. They assist in making a confusing and tedious process easier to understand.

Our relationships with many of the country's leading insurance carriers enable a more streamlined application process with a variety of options for our clients.

Our commitment to our clients is that we will provide clear, unbiased information about a broad array of plans, selection of price, and benefit options.

We reinforce our commitment to our clients with a full-service, secure web site, and with highly trained staff specializing in income protection with over 40 years of combined experience in the insurance industry.

For over 40 years CCP has enrolled innovative, tax saving disability insurance. We have created the complimentary IT Systems to educate and enroll income and retirement protection plans - providing you the tools to to build your own safety net.

This experience, expertise, and insurance knowledge uniquely positions CCP to offer you the ability to get the policy that fits your needs -guaranteed renewable vs. non-cancelable or 30 day elimination vs. 90 day elimination or cost of living rider. Therein much to learn and we are here to help. Use our experience to learn and understand what is best for you and your family.

FAQ


Disability insurance is a policy that provides a recurring benefit amount when an insured is unable to work due to a disability. The purpose of the insurance is to protect you if an accident or illness prevents you from earning an income in your occupation.
Insurance carriers calculate a percentage of your gross earnings. Each insurer has different Issue and Participation limits – meaning they will cover a certain percentage less any other individual disability insurance you have in force. Generally, they will cover anywhere from 45-65% of total earnings up a maximum amount of $15,000 a month from all in force individual policies.
A non-cancelable (Non-Can) policy is one where once the policy is issued, the benefit and premium remain the same to age 65. The carrier cannot cancel the policy and cannot increase the premium as long as the premium is paid when due.
Guaranteed renewable means, the insurer cannot cancel or change your policy benefits as long as premiums are paid to age 65, unless a rate change is approved on entire class of policies.
Own occupation also known as True Occupation: You are unable to perform the material and substantial duties of your own occupation even if you can work in another occupation.
You are unable to work in any occupation in which you are reasonably suited by education, training or experience even if it’s not your regular occupation.
You will receive a benefit if you are not totally disabled but, due to sickness or injury, you lose time in your occupation or are unable to perform one or more of your material and substantial duties, and are under a physician’s care. At the end of your elimination period, you must be experiencing a loss of earnings of at least 20% of prior earnings in your occupation in order to receive benefits.
The maximum time you’ll receive benefits if you are disabled.

(Examples: 2 years, 5 years, to Age 65 or to Age 67)
The "waiting period" after you become disabled and before you become eligible for benefits.

(60 days, 90 days, 180 days or 365 days)
You pay no premiums while you are disabled.
Pre-existing condition means a sickness or physical condition for which, prior to the effective date: (1) symptoms existed that would cause an ordinarily prudent person to seek advice or treatment from a physician; or (2) advice or treatment was recommended by or received from a physician.
Increases to your monthly benefit while you are totally or residually disabled, on an annual basis.
Allows you to increase your benefits as your income increases without medical underwriting.
A copy of the Proposed Insured’s medical records may be required due to cause. Some examples but not limited to:

  • alcohol/drug treatment
  • circulatory problems
  • mental nervous
  • disorders blood disorders
  • diabetes
  • nervous system disorders
  • cancer
  • hypertension
  • seizure disorders
  • chest pain/murmur
  • kidney problems
  • ulcerative colitis
  • recent physical
PHI may be required due to cause. An interviewer trained by the insurance carrier will call the Proposed Insured to verify information on the application, collect missing details, and provide supplemental information. The underwriter will order the interview if required after reviewing the application.

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  • 1-203-792-7300     www.ccpinsure.com