The Watts Insurance Agency

Call Us:  205-216-4960

Disability Insurance

Disability insurance is designed to provide a tax-free benefit replacing between 45 to 60% of your gross income when you are unable to perform your occupation due to a sickness or injury. Individual disability insurance has different definitions depending on the type of disability policy.

There are three types of disability insurance:
True Own Occupation
Income Replacement Insurance
Gainful Occupation

Income Replacement Insurance is the most common total disability insurance policy. The typical definition is: disability due to sickness or illness that prevents you from performing material and substantial duties of your occupation or any occupation for which you are reasonably qualified by training, education or experience.

​Contact our agency to learn more about the disability policies we have available.