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Long-Term Disability Insurance - Hartford, WI

Maintain your financial stability in the event of an injury.

Long-term disability insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Richfield, West Bend, Rubicon, Iron Ridge, Neosho, Hustisford, and Theresa.

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. We’ll make sure you have financial support to manage your disability and your household.

The principle of long-term disability insurance is simple enough–you pay premiums and if you become disabled and are no longer able to work, you get regular payments to make up some of the lost income.

As with life insurance, it’s often a smart way to make sure you and your family (or financial dependents) are protected if the worst happens.

You do need to pay attention to the details with long-term disability insurance, however, as policies have several key options. For example, you’ll need to check how long you have to be disabled before any payout starts, and for how long the payments will continue. Some long-term disability insurance policies pay for a fixed period only (or until you reach retirement age if that comes first), while others guarantee to pay out until you reach retirement age, regardless of how long that is.

You’ll also need to decide on a payout level. Generally, long-term disability insurance policies pay a maximum of around 50 to 70 percent of whatever your pre-tax salary is when you become disabled. When you take out the policy, you can sometimes choose a lower payout level, which will reduce your premiums.

Your employer may cover you with a long-term disability insurance policy or give you access to buy one at a discount. Even if this is the case, don’t automatically rule out getting your own long-term disability insurance policy instead, or in addition to, your company’s policy.

The employer’s policy might not offer a payout level that meets your needs, for example. Also, payments you receive from an employer policy may be taxed differently to those you receive from a long-term disability insurance policy you buy yourself.

We understand the details of long-term disability insurance and will be happy to walk you through it.

Let’s discuss your long-term disability insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate long-term disability insurance solution. There’s no obligation, just good-old-fashioned advice.
  • This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverage's are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverage's are available in every state. Please contact our office at 800-414-5875 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage's pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors. Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
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R.S. Semler Insurance Affiliate of Robertson Ryan Insurance offers comprehensive long-term disability insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Rubicon, Jackson, Richfield, Oconomowoc, West Bend, Iron Ridge, Horicon, Neosho, Germantown, Hubertus, Kewaskum, West Allis, Milwaukee, Menomonee Falls, Hartland, Allenton, Jackson, Hustisford and Ashippun.
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