No one likes to think about experiencing a debilitating injury or illness, and many folks believe it will never happen to them. However, according to the Social Security Administration, more than 25 percent of 20-year-olds will become disabled at some point before reaching retirement age. If you’re not carrying adequate disability insurance coverage, you could be placing your financial future at risk — how else would you pay the bills if you are unable to work? If you’re searching for disability insurance in Iowa, Arkansas, Kansas, or Missouri, David Pope Insurance Services LLC can provide you with an affordable disability insurance policy that can help you avoid a financial catastrophe.
Social Security disability insurance (SSDI) covers more than 150 million workers and 8 million individuals who have become disabled. However, you are not eligible to receive any SSDI benefits if you are partially or temporarily disabled. Even if you meet the Social Security Administration’s stringent definition for being permanently disabled (the SSA declines approximately 60 percent of the applications it receives), you must wait five months to start receiving benefits. With an average benefit payout of under $14,000 per year, it can fall well short of what you need to remain financially solvent.
You may also not be able to depend on disability insurance from your employer. Only about 30 percent of companies offer this coverage as part of their benefits package. If you’re self-employed, you’re on your own.
A budget-friendly disability insurance policy from David Pope Insurance Services LLC can fill the void and put your mind at ease. We feature programs from Progressive that provide a more expansive definition of disability than SSDI, making it easier to qualify for coverage. The benefits may also supplement those received from SSDI, worker’s compensation or the Department of Veterans Affairs in some instances. Available policy options include:
This coverage will replace a portion of your income during the initial weeks of your disability. Depending on the policy you choose, you can receive benefits for a time period ranging from three months to one year.
Long-term disability coverage goes into effect after an elimination period that can last from 90 to 180 days. Benefit options will vary by policy and can last for two years, five years or until age 65.
Choosing a disability insurance plan can be confusing. The professionals at David Pope Insurance Services LLC can make the task so much easier. We’ll sit down with you to discuss your current situation and make a policy recommendation that will meet your unique requirements. We’ve been helping Missourians just like you find affordable, comprehensive coverage for more than 15 years.
If you’re in Union, Washington or St. Clair, Missouri, or the surrounding areas, give David Pope Insurance Services LLC a call at 636-535-1055 for a no-obligation disability insurance quote today.
Contact UsRick BaileyVery helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.
Robbie BaileyDavid Pope and his son are wonderful people 10 outta 10.
George HodakNever had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.
Philip GerberYour insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.
Jim ArnoVery helpful with giving me options for insurance. Helped with transition from my past insurance company.
Jonathan MitchellMy home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.
Kristy HulseyCustomer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!
Travis OwensThe staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.
Yvonne HeinzThe customer service is fantastic and the price is a great value.
Union AmbulanceVery knowledgeable and gets us the best price on insurance.
Justin HulseyI could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!
Pauli AnschutzI am very happy with the service my family receives with David Pope Insurance. I highly recommend!
Brandon BealIt has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!
Jaron BondIt was easy and simple to setup my home and auto insurance. No complaints here at all.
Oakley CorbinGreat! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!
Alan EakerDavid was very easy to work with and get switched over to the new insurance wit great pricing!!
Andrew CapkovicThis guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.
Jacqueline WardWhen I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.
Ali KExcellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!
Gayle BDavid Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.
Mary FI have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.
Steve KThis agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!
Nicole BMy experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!
