What is Disability Insurance and How Can It Help Your Family in Connecticut?

If an illness or injury prevented you from working, how would you pay the bills? Disability insurance helps replace a portion of your income when you can’t work due to a medical condition, giving you peace of mind and helping you stay financially secure through the unexpected.

At CTBORN Insurance, I help individuals, families, and small business owners throughout Connecticut understand their options for both short-term and long-term disability coverage.

Whether you’re self-employed, a growing family, or planning for what’s next, I’ll help you find coverage that fits your income, lifestyle, and goals.

Short-term disability insurance is designed to cover temporary situations where you’re unable to work, like recovering from surgery, illness, or maternity leave. These plans usually provide income replacement for a few weeks or months, helping you stay financially stable while you heal.

If you don’t have coverage through your employer or you’re unsure what you’d do if you had to take extended time off, I can help you explore options available here in Connecticut.

Long-term disability insurance steps in when a serious illness or injury prevents you from working for an extended period, sometimes even years. These policies offer a critical safety net by replacing a percentage of your income so you can stay on top of bills and expenses during your recovery.

For many of my clients in Connecticut, long-term disability is an essential part of protecting their financial future, especially if they don’t have significant savings to fall back on.

Disability Insurance for the Self-Employed

When you work for yourself, you are the business. That’s why disability coverage is especially important for freelancers, contractors, and small business owners. A custom plan can help replace lost income and keep things running if a health issue sidelines you.

I work one-on-one with self-employed professionals all throughout Connecticut to find disability policies that balance affordability with strong protection.