Disability Insurance

Your Biggest Asset is You

Gerhart, Hartman & Ritner, Ltd. provides disability insurance to individuals in Boyertown, Gilbertsville, Douglassville, Oley, Pottstown, Reading, and surrounding areas.

When it comes to protecting your assets, one of the most important things you can insure is not a material object like your car or home – it is your ability to work and earn a living. At Gerhart, Hartman & Ritner, Ltd., we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and cannot work, you will need to be protected in order to maintain your standard of living.

With disability income Insurance from Gerhart, Hartman & Ritner, Ltd., you can continue to pay your bills and keep you and your family from going into serious debt. If you cannot work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you will want to ensure that you and your family have enough coverage. A representative at Gerhart, Hartman & Ritner, Ltd. will look at the individual factors in your life and work situation and help design the best policy that meets your personal insurance needs.