Skip to main content
    Accidental Disability5.0 GoogleBBB Accredited31+ States

    Affordable Income Protection Plans That Help You Stay Financially Secure After an Accident

    If an accident prevents you from working, short-term disability income coverage can help replace part of your income, so you can focus on recovery — not missed paychecks.

    Licensed health and life insurance professional helping individuals, families, and self-employed workers find affordable accident disability income protection that complements their health coverage.

    Get a Free Quote(786) 218-2384
    BBB Accredited · A Rating
    5.0 Google Rating
    Licensed in 31+ States
    NPN: 21032307
    Free Consultations · No Pressure
    Thousands of Families Served
    Hablamos Español
    BBB Accredited · A Rating
    5.0 Google Rating
    Licensed in 31+ States
    NPN: 21032307
    Free Consultations · No Pressure
    Thousands of Families Served
    Hablamos Español

    Key Benefits

    How long could you go without a paycheck if you were injured tomorrow? Income protection insurance pays monthly benefits during recovery.

    Monthly Income Benefits

    Get financial support for up to 3, 6, or 12 months while you recover from a covered accidental disability.

    Bill & Expense Coverage

    Use your benefits for rent, groceries, childcare, utilities — whatever keeps your life running smoothly.

    No Restrictions on Use

    Your benefit is paid directly to you — spend it however you need without paperwork or approvals.

    Complements Your Health Plan

    Fills the income gap your health insurance doesn't cover when you can't work.

    What Plans Exist

    Short-term disability income plans vary based on benefit amount, waiting period, and coverage duration.

    Accident-Only Disability Income

    • •Pays a monthly benefit if you're unable to work due to a covered accident.
    • •Typically covers 3 to 12 months of lost income.
    • •Affordable premiums — ideal for self-employed and gig workers.

    Short-Term Disability

    • •Covers both accident and illness-related disability.
    • •Waiting periods range from 0 to 14 days before benefits begin.
    • •Benefit amounts based on a percentage of your regular income.
    Kind Words

    Reviews

    Real words from real families we've helped.

    5.0
    G
    Google
    NPN 21032307

    Frank is absolutely great to work with! He is knowledgeable, professional and most of all, patient! He recently helped me on figuring out a policy that would fit my needs on what I was looking for. He responded back to me in a timely manner and was the kindest person and very polite. Would highly recommend him for your insurance needs.

    LS
    Lisa Smith
    G
    Google·02/03/2026

    I spent hours on the Marketplace until Frank messaged me. I was skeptical at first but I couldn't be more wrong. Frank and his wife found the perfect medical plan for me despite the fact I'm self employed, and made the process so easy with his guidance the whole way. He knows the system inside and out. Highly recommend.

    MK
    Michelle Kelley
    G
    Google·06/04/2025

    Excelente el señor Frank Caballero. Amable, muy profesional, muy entregado a sus clientes. Muchas gracias por tu servicio de calidad, si le pudiera dar 10 estrellas se las daría. ¡Gracias!

    YR
    Yeranis Rodriguez
    G
    Google·01/22/2026

    Frank has been amazing to work with. He is always available to answer my questions. As a self employed person in my 60s good insurance at a reasonable rate has been a challenge, but he found me a policy that has been great. I have already recommended him to friends and colleagues.

    BD
    Bunny Dennis Morris
    G
    Google·04/16/2025

    Would highly recommend him for all my friends and family.

    PF
    Parker Florence
    G
    Google

    He listened to my issues and concerns and explained my options thoroughly.

    JF
    Joe F
    G
    Google
    Read all reviews on Google

    Ready to compare accidental disability plans?

    Send us your info and a licensed advisor will reach out within one business day. No forms, no portals — one human.

    Tell us what you need in accidental disability

    No spam. No pressure. One licensed advisor reads every message.

    Prefer to book a call? Pick a time on the calendar →