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610-948-4830     info@ronblackagency.com

Disability

Income protection for your most
valuable asset - your ability to earn an income.

Updated Office Hours!

Our Agency is taking proactive steps to help protect the health and well-being of our employees, clients and industry partners alike.  Effective immediately we will be closing the office completely until such time that allows us to reopen. We have always invested in technology that allows us to operate outside of a traditional office setting which will allow us to continue to serve all clients needs while keeping our employees safe during this health pandemic.  We will be checking our voicemails remotely throughout the day so feel free to leave a message.  We also have access to both our email as well as our cell phones during this difficult time. We will get back to you as soon as we can if we do not answer right away.  

Please be assured that you always have the ability to access all of your policy information via the carriers that we have you insured with at any time.  Simply logon at the carriers site or their mobile app.  Each app is a free download from your own app store if you don't have it already.  In both you have full access to your policy information including ID cards and billing.  Any bills can be paid in either the sites or their respective apps or by calling us or the carrier directly.  We realize that this may be an inconvenience for some and hope this is a short-lived response to our current healthcare situation as we do enjoy when all clients and partners come into the office.  Thank you for your consideration and please stay healthy! 

Basics and highlights

We know that nobody likes to think about sustaining an illness or becoming injured to a point that you cannot work.  We also know that it does happen from time to time.  Your most valuable asset is not your home, your car or even your personal belongings - it's your ability to earn an income that will finance your family's livelihood.  An accident or serious illness can put a strain on that livelihood and your family's financial stability.  43% of all people aged 40 will experience a long-term disability before they reach age 65.  We can help you prepare a plan that if you do become disabled and you're not able to keep those paychecks coming in week after week.  Highlights include:

  • Issue ages 18-60
  • 30, 60, 90 or 120 day elimination period
  • 1, 2, 5, 10-year or to Age 65 benefits period

The following policy enhancements can be added to most disability income policies for a small fee:

  • Partial Disability Enhancement
  • Waiver of Premium
  • Home Modification Benefit
  • Vocational Rehabitational Benefit
  • Survivor Benefit
  • Own Occupation Rider
  • Guaranteed Insurability Rider

Disability Facts

Consider the following facts related to disability income insurance then give us a call to discuss your options:

Chronic diseases such as heart disease, cancer and diabetes are the leading causes of disability in the United States.

Chronic diseases account for 70% of all deaths in the United States, which is 1.7 Million each year.

These diseases also cause one or more limitations in daily living for almost 25% of Americans. 

Our Communities

Since 1922, we have proudly insured and protected the families and business's of Royersford, Limerick, Spring City, Phoenixville, Collegeville, Schwenksville, Pottstown, Skippack, Harleysville, Souderton, Lansdale, North Wales, Chalfont, New Britain, Norristown, King of Prussia, Blue Bell and our surrounding communities.