Long-Term Disability Insurance

When you cannot work due to a qualifying medical condition, your long-term disability policy pays a portion of your pre-disability income after a waiting period, which is often 90 days or more. Payments can continue for years, sometimes until retirement age, depending on your policy.

Typical features include:

• Income replacement benefits (usually 50–70% of your salary)
• Extended benefit periods (2 years, 5 years, or longer)
• Flexibility to choose benefit levels and waiting periods
• Portability options if you change jobs
• Options to add cost-of-living adjustments and residual benefits

We’ll help you explore your options and create a plan that suits your lifestyle and career.

If your lifestyle relies on your income—and for most people, it does—consider getting long-term disability insurance.

You should think about this coverage especially if you:

• Are self-employed or the primary earner in your household
• Have little savings or no passive income
• Work in a physically demanding job or a high-stress profession
• Want to protect your retirement and long-term financial goals

Even if you have short-term disability coverage or workers’ compensation, those may not be sufficient. Long-term disability fills the gap where other benefits fall short.

At Sargent Insurance Agency, we know what’s at stake for families and workers in Arkansas. Our advisors take the time to understand your personal and professional needs, so you don’t end up with a generic policy.

We offer:

• Personalized consultations with a local agent
• Access to top-rated disability insurance providers
• Clear answers and no-pressure guidance
• Ongoing support whenever your needs change

You’re not just a policy number to us. We’re your neighbors, your advocates, and your trusted team in uncertain times.