Benefit Consulting Group (BCG) is a full-service investment advisory firm offering you highly customized and sophisticated financial advice, investment solutions and brokerage services to help you meet your financial goals and objectives.

Disability Insurance

Health Insurance

Insurance Audits

Life Insurance

Long-Term Care

Disability Income Insurance
Disability income insurance protects your most valuable asset: your ability to earn a living. It provides you with income should you become sick or injured and unable to work.

Facts:

One in 3 working Americans will become disabled for 90 days or more before age 65
The average disability absence is 2 ½ years
More than 80% of working Americans don’t have disability income insurance or aren’t covered adequately

What is the Definition of Disability?
Disability is considered either “Own Occupation,” which is the inability to perform the duties of your own specific occupation, or “Any Occupation,” which is the inability to perform the duties of any job for which your education and training qualify you.

Disability Income Insurance policies:

Provide monthly income to help maintain your standard of living
Can be customized to fit your particular situation
Help you retain independence and dignity while not burdening others
Help keep your financial dreams and goals for the future intact

Think you're already protected? Think about this:

Social Security disability payments are limited to disabilities expected to last at least 12 months or end in death. To qualify, you must be unable to engage in any type of work.
Personal Savings can best be used to build a comfortable future. Add up your monthly bills, then multiply by 12 and you can see how fast even substantial savings can be depleted by unexpected illness or injury.
Long-Term Disability Insurance offered through your employer is a start. But workplace disability benefits often times cover only about 50% of your income. Can your family survive on half of a paycheck?

Disability Insurance Quote
Don’t be confused by the number of choices available or by complex language. Give us a call and our specialists will help you in plain language.

This is a general description of the available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. Life insurance products are available through our affiliate company, Benefits Consulting Group.

Securities offered through Cadaret Grant & Co., Inc. Member FINRA/SIPC.
Oneida Savings, BCG, BHL, WHS, and Cadaret Grant are separate entities.
Not FDIC insured. No bank guarantee. May lose value.

Due to various state regulations and registration requirements concerning the dissemination of information regarding investment products and services, the information at this site is intended for individuals residing in states where we are currently registered. We are registered to sell securities in the following states: NY, NJ, FL, GA, MA, VA, OH, PA, CT.

If you don't see something
you're looking for, or have
any questions, please feel
free to call us.

(315) 474-1707

Contact an Advisor

Text size: