Did you know:

• 1 in 7 people become disabled for at least 5 years before age 65
• 20% of people ages 35 - 65 will become disabled.
• Only 3.7 million Americans have individual disability coverage.

A disability can have a tremendous financial impact on you and your family. A strong disability insurance policy can protect you from the financial strain and protect what you've worked so hard to achieve.

Favorable Definition of Disability

Griffith E. Harris Insurance Services policies are built around a definition of insurance that is favorable to you. We offer contracts that pay disability benefits if you cannot work in your own occupation, even if you choose not to work in another occupation.

We also provide benefits while you're getting back to your occupation full time, until you are earning more than 30 percent of your full-time compensation.

Insuring Future Income

With disability insurance, you want to be able to increase your coverage to match growth in your income. Future Income Protection Agreement (FIPA) allows you to increase your benefit with your income. Increases are based on financial data you provide. You are not required to provide information about your health.

Protecting your Benefits Against Inflation

Harris Insurance Inflation Protection Agreement can help you maintain the purchasing power of your disability benefits. Your benefits are adjusted while you are disabled with the Consumer Price Index. You select an annual maximum increase of either 4 or 6 percent.

An unexpected injury or illness can quickly rob you of the lifestyle you've worked so hard to achieve. Disability insurance helps protect that lifestyle and your ability to earn an income.