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New Hampshire Disability Insurance Information
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The most valuable resource that anyone possesses is
their ability to provide an income. If everything else that you own or care about is insured and this ability is removed there may be no way possible to pay the premiums on other insurance or even to keep that which is insured. New Hampshire Disability insurance will provide you with an income should you become sick or disabled. |
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Even with benefits such as New Hampshire Workers
Compensation and Social Security, individual disability insurance benefits are still important. A disability financially can be worse than death, since living expenses continue and may increase due to a need for expensive specialized care. Many people also purchase disability insurance to help ensure a continuous income should they suffer disabilities that are not covered by Social Security. |
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Individual disability insurance coverages pay a percentage of your
salary if you become temporarily disabled, meaning that you are not able to work due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance). |
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Disability Insurance Coverage Features
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Disability insurance policies have a fixed monthly benefit that does
not increase with time, although you can purchase extra coverage, or riders, that offer higher payment schedules. |
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Disability types include:
Own Occupation - the inability to perform the duties of your
specific occupation or Any Occupation - the inability to perform the duties of any job for which your education and training make you qualified. |
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You can choose the length of the waiting period on your disability
insurance policy. Waiting periods can range from one week to two years and the longer you wait the less your disability insurance policy will cost.
You also can choose the length of the benefit period, which is how
long you will receive monthly benefits once your disability insurance policy starts paying. |
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Review the types of individual disability insurance we offer residents
of New Hampshire by clicking on a link below. |
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We are your local southeastern New Hampshire, southern Maine insurance
agency, offering affordable disability insurance policy premiums in the following cities and counties: Somersworth, Durham, Portsmouth, Dover, Rochester, Rollinsford, Barrington, Madbury, Lee, Strafford, Farmington, Milton, Barnstead, Nottingham, Northwood, Raymond, Newmarket, Newfields, Stratham, Rye, Hampton, Epping, Exeter, Salem, Danville, Deerfield, West Rye, Derry, Chichester, South Barnstead, Gilmanton, New Durham, Wolfeboro, Alton, Laconia, Berlin, Lebanon, East Candia, North Hampton, Hanover, Littleton, Plymouth, Claremont, Newport, Keene, Hampton, Rye Beach, Strafford County, Rockingham County, Hillsborough County, Merrimack County, and Belknap County, NH. We also offer disability insurance policy services throughout the state of New Hampshire, including the Manchester, Nashua, and Concord area. Our service area in southern Maine includes the following cities and counties: South Lebanon, Kittery, Eliot, Berwick, Sanford, Blaisdell Corners, Springvale, Emery Mills, Wells Beach, York Beach, Kittery Point, Kennebunk, Saco, Biddeford, Alfred, Portland, Scarborough, Westbrook, Waterboro, Shapleigh, Newfield, Buxton, Goodwins Mills, South Sanford, Cape Elizabeth, South Portland, York County, and Cumberland County, ME. |
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Short term disability insurance is sometimes referred to as Accident and
Sickness insurance. It provides benefits for a limited period of time, typically 26 weeks or less. Short term disability usually provides coverage for accidents or illnesses outside of work when New Hampshire Workers Compensation insurance does not apply. |
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You would begin receiving money from your New Hampshire short term
disability insurance policy within 1 to14 days after becoming sick or disabled. The actual time for coverage to begin depends on whether you suffer an illness or injury. If you suffer an injury, your benefits will be paid immediately. If you suffer an illness, it will take longer because there needs to be sufficient time to show that the illness is grave enough to be disabling. |
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You choose the amount of income (up to 66% of your gross income) from
$400 to $2000 a month when you can't work due to an accident or illness. |
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Benefit periods of up to 2 years!
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Short waiting periods 1 to 14 days!
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Click on the link below to fill out a secure quote request form for a New
Hampshire Short Term Disability Insurance policy that will provide excellent insurance coverage at an affordable cost. Or speak with our Disability Insurance agent specialist toll free at 1-800-678-3431 to discuss the features. |
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Long term disability insurance provides benefits for a limited period of time,
typically 2 or 5 years and is also usually guaranteed renewable until the age of 65. Long term disability insurance usually provides coverage for accidents or illnesses outside of work when New Hampshire Workers Compensation insurance does not apply. |
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You can begin receiving money from your New Hampshire long term disability
insurance policy when the "waiting period" time chosen for the policy is reached. Typically, 6 months to a year is chosen for a waiting period in order to reduce your premium, but shorter times are available. |
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You choose the amount of income (up to 66% of your gross income) from
$400 to $3000 a month when you can't work due to an accident or illness. |
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Hospitalization Rider pays up to double your benefit per month
(for two months) if an injury or sickness puts you in the hospital!
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Click on the link below to fill out a secure quote request form for a New
Hampshire Long Term Disability Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Disability Insurance agent specialist toll free at 1-800-678-3431 to discuss the features. |
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Benefit periods of 2 & 5 years!
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Short waiting periods 7, 14, 30, and 90 days!
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Guaranteed renewable to age 65
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24 hour coverage - on or off the job!
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$2,500 Accidental Death Benefit included!
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No restrictions on how the money is used!
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No benefit reduction at age 65!
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Risk Management Services - All rights reserved
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Personal Insurance
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Disability Insurance
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(also Maine & Massachusetts)
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(also Maine & Massachusetts)
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**The information, pictures, and other content in this website about particular
insurance or financial services is only provided for informational purposes. Any decisions regarding these services should be discussed with a licensed insurance agent or financial services representative. |
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Gorman Insurance &
Risk Management Services
396 High Street
Somersworth, NH 03878
Strafford County, NH
(603) 692-3431
(603) 868-3598 - Durham
Toll Free: 1-800-678-3431
Fax: (603) 692-2660
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Answer a few questions
and we will provide you with a quote by email or phone. Choose the Personal or Business insurance coverage you're interested in from the menu above. |
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(also Maine & Massachusetts)
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