--- title: Disability Insurance | Get a Quote | PJ&C Insurance description: Get a quote on disability insurance with PJ&C Insurance. Explore our tailored insurance options for residents of AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today. --- For more than 50 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection. # Disability Insurance from Pepper, Johnstone & Company Long-term Disability insurance (LTD or LTDI) provides you with a portion of your income (typically 50% - 70%, depending on your policy and profession) when a covered injury or illness prevents you from working for an extended period of time (usually after 3 to 6 months). It can provide benefits for events such as an injury or debilitating illness/disorder. The benefit period typically ranges from two to five years or until age 65, depending on the coverage options selected. Becoming disabled can have devastating financial implications by stripping you of your ability to earn a living. While most people can afford to miss work for a few months by tapping into their personal savings, very few have the financial means to stop working altogether for an extended period of time. In such instances, this is where an LTD insurance policy can protect you and your family from potential financial ruin. ### Who is the policy holder for my disability plan? The policy holder for your disability coverage depends on the type of coverage you have. If you have group coverage that your employer selects and purchases for you, your employer is the policy holder. If you have individual coverage that you chose to purchase in the open market, you are the policy holder. The policy holder is bound by contract with the insurer and is the one who receives a copy of the actual policy. ### Do I have to prove I'm healthy to be insured? In some cases, you may be asked to provide medical information before coverage is offered. This information about your health is referred to as "evidence of insurability." It is requested when you or your employer request coverage that is above the amount that is guaranteed without providing evidence of insurability. ### What are the tax implications for receiving LTD benefits? If you pay your own premiums with after-tax dollars, your disability benefits will be tax-free. If your employer pays for the policy – typically with pre-tax dollars – your disability benefits will be taxed. ### Get a free quote for disability insurance We'll provide you with a disability insurance quote from an insurer that meets your needs and your budget. [GET A QUOTE](/insurance/life/disability-insurance/quote) [GET SERVICE](/claims-services) * * * ### Why You Need Protection Musculoskeletal and connective tissue disorders – including neck and back pain, joint, muscle and tendon disorders, and foot, ankle, and hand disorders – were the leading cause of long-term disability claims in 2008, according to CDA claims data. Cancer ranked second among these primary causes. #### Leading Causes of LTD claims in 20081 - Musculoskeletal/Connective Tissue Disorders: 22.8% - Cancer: 13.7% - Injuries and Accidents: 10.0% - Other: 24.1% According to U.S. Census Bureau estimates, you have a 1-in-5 chance of becoming disabled. Additionally, the Council for Disability Awareness (CDA) estimates that the average long-term disability (LTD) absence from work lasts 2.5 years. This is a long time that creates a large gap to have to meet financial obligations without a steady income. One of your greatest assets is your ability to earn an income – properly protect it and your family’s wellbeing with the LTD policy that’s tailored specifically to your needs. ### Get the protection you need, today and tomorrow To learn more about our Long-term Disability (LTD) insurance products, [speak with one of our experienced professionals](https://www.pjcoinsurance.com/contact) today. (1) Council for Disability Awareness (CDA) 2008 Long-term Disability Claims Survey * * * ## Clients Love Us We work hard for this reputation. [![Lauren Marsh](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lauren-marsh.8f1ef3286aaf69249e3de25282587a81dc15842de09824b6b0cbfb88b2501a20.webp)](/about/client-testimonials) What’s made us stick with them is the accountability. **— Lauren Marsh —** Ridgeline Construction [![Lynn Persell](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lynn-persell.9a4cd56880c3014002601585585987659e761ba9b4ce55d934e41cc15c2c97f5.webp)](/about/client-testimonials) They’ve taken care of me during the darkest days after the tornado. **— Lynn Persell —** Persell Lumber & Mill Shop [![Mike Walters](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/mike-walters.b7e85f459e5433841cfc9e45b3561d5fa0b394111be2eb8400535769c689c271.webp)](/about/client-testimonials) They understand our business & risk profile through industry knowledge. **— Mike Walters —** MVW Nutritionals ![Commercial client](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp) PJ&C has become a crucial member of our business support team over the past several years. **— Commercial client —** Atlanta, GA ![J.W. E.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp) The entire team is not only knowledgeable but down to earth and willing to share their time, tips and ideas. **— J.W. E. —** Nashville, TN ![Matthew H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp) Top notch insurance agency! The team at PJ&C provide excellent customer service while meeting all our needs. **— Matthew H. —** Dallas, TX ![Samantha B.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp) All the employees at PJ&C are very professional and knowledgeable. Exceptional customer service. **— Samantha B. —** Athens, AL [MORE REVIEWS](/about/client-testimonials) ## Insurance Articles from the Pepper, Johnstone & Company blog [**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover) [**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need) [**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide) [View all articles](/blog) ## Related Types of Insurance [— Long Term Care Insurance](/insurance/life/long-term-care-insurance) [— Individual Benefits](/insurance/life/individual-benefits) [— Group Benefits](/insurance/life/group-benefits) [— Workers' Comp Insurance — for business owners](/insurance/business/workers-comp-insurance) ```json {"@context":"https://schema.org","@type":"WebSite","url":"https://www.pjcoinsurance.com/","name":"Pepper, Johnstone & Company"} ``` ```json {"@context":"https://schema.org","@type":"Product","name":"Disability Insurance","description":"Comprehensive disability insurance coverage tailored to your needs.","url":"https://www.pjcoinsurance.com/insurance/life/disability-insurance","image":["https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/logo.80d7f691a213f4c005424382960e8608cbeea8e81c4c6b54b3ad47b9b05f80b8.svg"],"brand":{"@type":"Brand","name":"Pepper, Johnstone & Company"},"offers":{"@type":"Offer","url":"https://www.pjcoinsurance.com/insurance/life/disability-insurance","priceCurrency":"USD"}} ``` ```json {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/insurance/life","name":"Life & Health Insurance Products"}},{"@type":"ListItem","position":2,"item":{"@id":"/insurance/life/disability-insurance","name":"Disability Insurance"}}]} ```