Disability Insurance

Your ability to earn a living is one of your most important assets. At F&T Insurance Agency, we help clients across Massachusetts, Rhode Island, Connecticut, and New York protect their income with disability insurance that’s simple to understand and strong when you need it most.

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Protect Your Paycheck

Disability Coverage That Stands By You

Whether you're working full-time in Westport MA or self-employed in New Haven, we offer disability insurance clients rely on to stay financially stable after injury or illness. Our plans are clear, personalized, and built around your needs.

Short-Term Disability

Covers temporary time away from work due to illness, surgery, or injury. Our short-term disability policies help cover your everyday expenses while you recover.

Long-Term Disability

Serious illness or injury can take time. Our long-term disability plans replace lost income when your recovery lasts longer than expected.

Flexible Plan Options

From basic income protection policies to more robust benefits, we offer personalized disability insurance quotes clients appreciate for both cost and clarity.

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Disability Insurance FAQs

  • Why do I need disability insurance if I’m healthy?

    Because accidents and illnesses happen unexpectedly. It’s about protecting your ability to pay bills and stay independent if you can’t work.


  • What’s the difference between short-term and long-term coverage?

    Short-term covers weeks to months of time off, while long-term policies can pay out for years—or until retirement—depending on the policy.


  • How much of my income will it replace?

    Typically 50–70%. We help you choose the right percentage based on your expenses and budget.

  • Are self-employed people eligible?

    Yes. We help business owners and independent contractors get coverage that reflects their real income and risks.

  • Is disability insurance expensive?

    Not compared to the risk of losing your income. We compare affordable disability insurance MA options to fit your financial goals.


Secure What You’ve Earned

Let’s Protect Your Income

At F&T Insurance Agency, we’re here to help you plan ahead—so a medical setback doesn’t turn into a financial crisis. We walk you through every detail of your policy, and we’re by your side if you ever need to use it.

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