Disability Insurance New Bern, NC

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Disability insurance is an essential financial safety net that individuals in New Bern, North Carolina, should consider to protect their income and financial well-being in case they become unable to work due to a disability or illness. Located in a picturesque coastal region, New Bern residents understand the importance of having reliable coverage in place, especially given the unpredictability of life’s challenges.

If you’re looking for disability insurance coverage in New Bern, NC, contact Robinson & Stith today to get a quote!

Check Out Our Google Reviews!

Giuseppina IncorvaiaGiuseppina Incorvaia
15:00 03 Aug 23
JoAnn GottslebenJoAnn Gottsleben
18:37 31 Jul 23
Our company has worked with Robinson and Stith since our founding in 2006. They are very professional and responsive and also just really nice people. I would like to recognize Christina Tripp and Julie Thompson. Other folks have also helped out at times. They will do a great job for you.
Tripp StarlingTripp Starling
16:52 21 Jul 23
Lori Pickard at Robinson and Stith always looks out for my best interest. She consistently finds quality coverage at unbeatable prices. I know I can trust her to take care of my homeowners insurance and highly recommend her.
Johnny PearceJohnny Pearce
19:56 13 Jul 23
Pauline is the best there ever was! She has the best personal service around.
charlie Hillcharlie Hill
14:04 09 Jul 23
Andy GauzzaAndy Gauzza
21:37 19 Jun 23
Robinson and Stith is positively the very best insurance agent that I have ever dealt with. Best prices for an array of products and service, service and service!! You will get Mr.Robinson or a member of his staff on the phone just about anytime even on weekends!! No one is more knowledgeable about the products they sell and my personal needs than the staff and owner, Jimmy Robinson. Don’t waste your time and energy shopping for insurance with any other company.
Summer MathewsSummer Mathews
15:06 30 May 23
Tammy is the best! She virtually saved my home purchase! The insurance agent I went with was recommened by a friend who did not complete the insurance binder properly. We didn’t find this out until two days before closing. I called Tammy and she was able to get me an amazing policy with a competitve price and save the deal! She always gets back to me in a timely manner and is always insightful. I highly recommend Tammy and the services she has to offer!
Dedee DunnDedee Dunn
20:56 19 Apr 23
Pauline is the absolute best. She can answer any questions that I have and always quick to respond. She has been helping me with my insurance needs over 30 years!

Your Disability Insurance Coverage

Income Replacement

One of the primary components of disability insurance is income replacement. This coverage provides a portion of your regular income if you become disabled and cannot work. The benefit amount is typically a percentage of your pre-disability earnings, helping you maintain financial stability during your recovery period. This income can be used to cover essential expenses such as mortgage or rent payments, utility bills, groceries, and other living costs, ensuring that you can maintain your standard of living despite the loss of income due to disability.

Insurance policy papers on table

Short-Term vs. Long-Term Disability

Disability insurance policies often offer two main categories of coverage: short-term disability and long-term disability. Short-term disability insurance typically provides benefits for a shorter duration, usually up to six months. It is designed to cover temporary disabilities, such as injuries or illnesses that require a relatively brief recovery period. Long-term disability insurance, on the other hand, provides coverage for disabilities that last for an extended period, potentially even until retirement. Having both types of coverage can ensure you’re protected in various disability scenarios, whether short-term or long-term.

Coverage Options and Riders

Disability insurance policies can be customized to suit your specific needs. Some policies offer optional riders that allow you to tailor your coverage further. For example, a “partial disability” rider might provide benefits if you can work part-time due to your disability, while a “future purchase option” rider enables you to increase your coverage amount as your income grows, without the need for additional medical underwriting. Choosing the right combination of coverage options and riders is crucial to ensuring that your disability insurance meets your unique circumstances and financial goals.

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Our Service Area

Here at Robinson & Stith Insurance, we are proud to serve customers all across eastern North Carolina! Use the list to find the areas in which we provide our expert Insurance services and customer care.

Our Insurance Services