Disability Insurance

Looking for Disability Insurance in China Grove?

Jason Bentley Agency has got you covered!

Throughout your working lifetime, you are three times more likely to become disabled than you are to die before age 65. Makes a convincing case for having disability insurance, right?

Why then is it that people have historically been more likely to buy life insurance, not disability insurance?

The answer is simple: insurance consumers are confused by disability insurance. There are so many terms to understand that people typically give up, and end up not purchasing coverage at all.

If that sounds like you, don’t worry. The team at Jason Bentley Agency is here to help.

Disability Insurance is critical in ensuring that your income is protected in the event you can no longer work due to an injury or illness.

If you search the internet you’ll see a ton of different results from companies and brokers claiming to offer the best policy, but it’s important that you understand this type of coverage before you make a decision.

Two different types of Disability Insurance

There are two different types of disability coverage:

Long Term Disability

Long Term Disability (LTD policies have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life

Short Term Disability

Short Term Disability (STD) policies have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

Important Disability Insurance Conditions

Non-cancelable

This means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

Guaranteed renewable

This gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

disability insurance China Grove NC

More things to consider

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

  • Additional purchase options
    Your insurance company gives you the right to buy additional insurance at a later time.
  • Coordination of benefits
    The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
  • Cost of living adjustment (COLA) 
    The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
  • Residual or partial disability rider 
    This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
  • Return of premium
    This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
  • Waiver of premium provision
    This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

If this sounds confusing, don’t worry. The team at Jason Bentley Agency is here to walk you through your options and make sure you get the best possible coverage for your needs and budget.

Robyn is so helpful and is always quick to respond. Making changes is always a smooth and easy process!!
Andrea Davenport
Andrea Davenport
Robyn does such an incredible job! She puts such a huge amount of time into helping me. I have always been able to send her an email or call her and she is so quick to respond. She gets the job done and done well! I always tell her she’s a life saver! Overall, I would recommend this agency! Everyone does a great job!
Elahna Hudson
Elahna Hudson
We have really enjoyed working with Jay , he is really on top of things and easy to work with !
Eastern Tree Service
Eastern Tree Service
Highly recommend the Grogan agency for all your insurance needs.
Andrew Lange
Andrew Lange
Quick and responsive to questions and best rates I found.
Kelby Loden
Kelby Loden
We have been very blessed to have the The Grogan Agency cover so many aspects of our lives over the last 20 years! Great group of folks - they are like family. Only a phone call or email away no matter what our question or need. Would HIGHLY recommend!
Susan Hill
Susan Hill
Robyn is the best! Anytime I have questions she always takes time out of her day to answer them. 10/10
Stephen Mauck
Stephen Mauck
Sweet, professional, and high quality. The agents of the Grogan agency are a pleasure to talk to and make a frustrating part of life easier.
Brian Panos
Brian Panos
We use Jarrod Jackson and will not use another company. The whole staff is very helpful and everyone is quick to call back and resolve any issues.Definitely recommend them
ashley towery
ashley towery
Jay does a great job advising his clients. He takes the time to understand your goals and give you the best advise (even if it isn’t a product he can provide). Thanks Jay!
Will Slappey
Will Slappey
We moved here a year ago and go the cheapest insurance we could find. When things came up for renewal I came to Jay Grogan's office to reevaluate where I was at. They pointed out several holes in my former policies and catered the new coverage to what fits my current needs. When I left, I felt 100% informed and much more confident in my new policy.
Suzie Wiggins
Suzie Wiggins
I'm a financial adviser and refer many of my clients to Jay as most people don't think to shop their home & auto too often. Nationwide is good insurance but Jay also has a number of other options as well to fit the needs of each client and has done a great job saving my clientele money. There have been a few instances where it didn't make sense for a client to switch and Jay had enough integrity and professionalism to tell the client "good job" rather than attempting to just sell a policy. I've worked with both Jay and Robyn Davis in his office and both are excellent. I wouldn't hesitate to refer either of them.
Sam Price
Sam Price
We have been with the Grogan Agency since he began which is over 25 years so that should tell you how pleased we have been I have known Jay and his family as neighbors when their kids were born. Robyn and jarrod are excellent to work with. The claims we have had to make were paid in a very timely manner. I can truly recommend this agency for all your insurance needs.
Bobbie Andrews
Bobbie Andrews
Always go above and beyond to make sure we have the best coverage. Extremely personable and helpful. This office pours into the community as well. Thank you Grogan Agency!!
Misti Patterson
Misti Patterson
I operate a small non-profit program and was not well versed in insurance converge prior to beginning my journey. The team at the Grogan agency has been extremely helpful over the years in answering my questions, assisting me with deadlines, and anything else I have asked. Their professionalism and genuine kindness are greatly appreciated.
carrie jones
carrie jones
Pleasant to deal with, prompt service, reasonable competitive pricing
Kevin Hermecz
Kevin Hermecz
Jay and his team are great to do business with. They make the process very easy in helping my family be secure in our most valuable assets. You won’t go wrong with their team in helping you with your insurance needs!
Benji Wilson
Benji Wilson
The folks at the Grogan Agency provide professional and personalized service. I highly recommend them!
bill reid
bill reid
Trust is key. Like most people, I have plenty to do and don't care to be an expert in all thing insurance. I trust the Grogan agency and I know that I have the right coverage for my current needs at a good rate.
Craig Byram
Craig Byram
Customer service and promtp handling of claims.
mark nix
mark nix
Great agency with incredible service, they have always taken care of me whenever I have needed them.
Anthony Riley
Anthony Riley
I review my coverage every year with Jay Grogan. Excellent advice about how to save on the coverage for my personal and business insurance. Insurance coverage exceeds my expectations.
George Barnett
George Barnett
I've been with The Grogan Agency for years. My claims process was super smooth and they handled everything. Great team to work with. Highly recommend!!
Russell Renfroe
Russell Renfroe
Amazing customer service! My wife and I have been a individual customers for several years and have been nothing but pleased! They have always been happy to help me tweak things to save a little here and there! Roadside assistance is great! Now they are helping me with my business acct. Love it!
Samuel White
Samuel White
The Grogan Agency has been incredibly easy to work with. They respond immediately to any issues and make sure they get you the best rate available. I know I'm taken care of when I can talk to my agent instead of just dealing with an 800 number.
Mark McCollister
Mark McCollister