Residual coverage is a valuable benefit for individuals returning to work after a disability. One can receive a portion of their benefits even if they can only work part-time or with reduced duties. It can help bridge the income gap caused due to reduced earning capacity, making the transition back to work smoother and more sustainable.

Give us a call and we can help you determine if this is a benefit you can include in your plan.

Life’s unpredictable journey can take unexpected turns, affecting not just our health but our ability to maintain the lifestyle we’ve worked so hard to build. The question often lingers: “If I become disabled and can’t work, how will my life change?”

Think of disability insurance not just as a safety net, but as income insurance. It’s about ensuring that, should the unforeseen happen, your ‘income’ continues to flow, keeping your lifestyle stable and your peace of mind intact.

Because it’s not just about if you can keep going—it’s about ensuring you can without compromise. 🌟

Joe Casey, 54, has been on a ventilator in intensive care since early August when he tested positive for three mosquito-borne viruses — Eastern equine encephalitis (EEE), St. Louis encephalitis and West Nile virus, according to a fundraiser by his family. doctors are not yet sure which of the three is to blame for swelling in his brain that is so severe, the Kensington dad is barely able to communicate with his wife, Kim, and their four kids.

Casey has been in the ICU on a ventilator under 24-hour care, and has also undergone a tracheotomy. “Joe is going to have to go a long-term care and patient rehabilitation, that’s going to be 24-hour care, and really want to get the word out to help this incredible family,” sister-in-law Angela Barker said.

A lot of people think a car accident or something worse will stop them from work and not maying a paycheck. It can be something as small as a bug bite that leads to a long-term disability. This is the reason why protecting your income is a must. You never know what will cause a disability. Protect yourself. Do not let a disability ruin years of savings. Disability Insurance will be your paycheck when you cannot work due to an accident or sickness.

“I’m not joking when I say your life can change in the blink of an eye, because that was what happened to us,” his grieving daughter Amellia Pawulski, 18, told The New York Post.

Who would think a mosquito would end up in a 5 year disability? Richard Pawulski, 49, was disabled for 5 years due to Eastern equine encephalitis (EEE). The mosquito-borne illness is a rare but “severe” disease that targets the brain, causing rapid physical deterioration and lifelong disabilities — if it doesn’t kill you first.

Richard suddenly fell sick after doing yardwork in the family’s lush, wooded Colchester backyard in August 2019. Just one day after finding a new mosquito bite, Richard complained of intense headaches and began vomiting yellow bile. Ended up with swelling in his brain and ended up in a coma for 2 months.

Richard spent the last five years bouncing between hospitals and nursing homes as he suffered through a traumatic brain injury, liver and kidney complications, seizures and other strenuous illnesses, as well as routine bouts of pneumonia.

His mental state was sorely affected — some days, Richard wasn’t aware of what year it was or where he was. Fortunately, he was lucid enough in the days before his death to tell his wife and daughter that he loved them.

This is a tragic story. You never see a disability coming. That is why it is important to have disability insurance.

The founder of Guild, a $4.4 billion education and upskill start up, had a stroke days before her 35th birthday. From the article, “Months of rehabilitation followed: three brain surgeries and three months in hospitals and inpatient rehab. Romer had a “flipped brain,” which meant that, unlike most stroke survivors, she retained the ability to speak—in a more monotone voice than before—and understand others. She held onto her IQ and knowledge. But her right arm and right leg were paralyzed.”

Romer has been navigating life in a wheelchair and adhering to a complete “digital detox,” with minimal screen time. (For months, that meant no email at all but some work via phone calls and FaceTime.) Guild has announced that Bijal Shah will take on the CEO title permanently while Romer continues her recovery. Romer does therapy a few times a week to regain mobility on her right side.

How to protect yourself? Income Protection Insurance. (disability insurance)

This is a prime example of why we need to protect our incomes with Income Protection Insurance. Executive clients have worked hard to get where they are. But have they ever thought about what would happen if they were suddenly unable to work due to an illness or injury? It’s not exactly something we like to think about, but it’s definitely important.

Income Protection insurance is a smart way to safeguard your income and ensure that you can maintain your lifestyle, even if the unexpected happens. It gives you peace of mind knowing that you and your family are protected financially no matter what.

Last week in Nashville at the IDIS conference. I heard some good speakers. One thing that was mentioned a lot: Cancer.

When a speaker mentioned how they had cancer or a client had cancer, I always wonder what it would have been like if they had a simplified Critical Illness policy. What would they have felt if they had a policy and received a check right after their diagnosis? What would that $5,000 or even $50,000 would have done for their families after the diagnosis.

A cancer diagnosis might not lead to a long-term disability, but it will certainly have plenty of medical bills. A Critical Illness policy’s lump sum benefit will go a long way towards helping with those unexpected bills!

You can get coverage up to $75,000 in about 24 hours with simplified underwriting!

🛡️ Think disability insurance is only for the perfectly healthy? Think again! It’s true that not everyone can qualify for traditional disability income protection, especially those with past or ongoing medical conditions. But there’s hope! 🌟

🚀 At The Bloch Agency, we specialize in finding solutions for those hard-to-insure cases. Our full platform of special risk disability plans and our unmatched expertise mean we can navigate the toughest challenges to find the right insurance solution for your clients.

🔍 Crafting disability plans for physicians requires precision and expertise. At The Bloch Agency, we equip you with top-tier support and the finest income protection contracts available to physicians.

🚀 Our expertise starts by understanding the distinctions between “own occupation” and “specialty own occupation,” ensuring you receive tailored advice and solutions.

💡 Additionally, our offerings include income protection with unmatched issue and participation limits, programs for medical students and residents, overhead expense insurance, buy/sell coverage and Guaranteed Standard Issue programs.

In today’s world, changing jobs is common. But what happens to your insurance coverage when you switch employers? Often, the new company’s group insurance might not be as comprehensive as your previous one.

The solution? Individual Disability Insurance! 💼✨

Unlike group insurance, individual disability insurance stays with you no matter where you go, even across state lines. Protect your income and ensure peace of mind throughout your career journey.

Did you know? Most tuna boat captains are considered uninsurable due to the high risks involved in their job. But at The Bloch Agency, we believe everyone deserves protection. We’re proud to provide disability insurance solutions tailored for those navigating the challenging seas of the tuna fishing industry, although coverage options may vary.

🌊 Ready to learn more? Dive in with us and discover how we can help secure your financial future, no matter your profession!