Disability Insurance in Ashland, OR

Disability insurance is a crucial safeguard for individuals and businesses in Oregon, offering financial protection when illness or injury prevents you from working. At Reinholdt & O'Harra Insurance, we understand how important it is to secure your income and maintain your lifestyle, no matter what life brings. Our team is dedicated to helping individuals and businesses navigate their disability insurance options with confidence.

Why Disability Insurance Matters

Unexpected health issues can disrupt your ability to earn a living, impacting your financial stability and peace of mind. Disability insurance provides income replacement, helping you cover everyday expenses if you’re unable to work due to a covered condition. For business owners, offering disability coverage can also be a valuable benefit that supports employee well-being and retention.

Types of Disability Insurance Coverage

There are two main types of disability insurance:

• Short-term disability insurance—This coverage may provide a portion of your income for a limited period, often ranging from a few weeks to six months. It’s designed to help with temporary disabilities, such as recovery from surgery or a short-term illness.
• Long-term disability insurance—This policy may offer income protection for extended periods (sometimes several years or until retirement) if you experience a serious injury or chronic illness that keeps you out of work for a longer duration.

Both options can be tailored to fit individual needs or offered as part of an employee benefits package.

How Reinholdt & O'Harra Insurance Supports Oregon Clients

Reinholdt & O'Harra Insurance is committed to helping you find the right disability insurance solution. We take the time to understand your unique needs, explain policy options, and guide you through the application process. Whether you’re seeking individual coverage or looking to protect your workforce, we’re here to help you make informed decisions about your income protection. Contact us today to learn more about disability insurance in Ashland, OR.