Financial Strategists New york | Taurus Financial Services

DISABILITY INSURANCE

If you couldn't work tomorrow, how long would your income last?

Your paycheck is your biggest asset. A licensed New York agent helps you protect it with disability insurance that replaces your income if illness or injury stops you from working.

No obligation · 30 minutes · English or Español

or call (888) 985-6982

THE BASICS

Your paycheck is your biggest asset. Insure it.

You insure your car and your home, but the thing that pays for both, your ability to earn, often goes unprotected. Disability insurance fixes that.

If an illness or injury keeps you from working, disability insurance replaces a portion of your income so your mortgage, bills, and family stay covered. As independent agents serving New York, we shop multiple carriers to find coverage that fits your job, your income, and your budget. It works hand in hand with life insurance as the foundation of a family's protection.

Most people underestimate the odds of needing it. A disability doesn't have to be dramatic to stop a paycheck, and when it does, this coverage is what keeps everything else standing.

KNOW YOUR OPTIONS

Short-term, long-term, or self-employed cover

Three ways to protect your income. We'll help you pick the right fit.

Weeks to months

Short-Term Disability

Replaces income for a short stretch, from a few weeks up to about a year, covering recovery from surgery, injury, or illness.

Fits: bridging a temporary gap

Years to retirement

Long-Term Disability

Kicks in for serious conditions that keep you out of work for years, protecting your income through to retirement if needed.

Fits: protecting against the big risk

No employer safety net

For the Self-Employed

If you work for yourself, there's no employer coverage to fall back on. We build protection around your income and your business.

Fits: freelancers and business owners

WHY TAURUS FINANCIAL SERVICES?

An independent agent finds your best fit

We shop multiple carriers, so you get the right coverage at a fair rate
Options whether you're employed, self-employed, or a business owner
Plain-language guidance, so you know exactly what's covered
Bilingual advisors who understand your work and your family

The first step is a conversation, not a contract. We'll look at your income and show you what it would take to protect it, for free.

Protecting incomes across New York — and beyond

Our agents serve New York, New Jersey, and Connecticut, with support in English and Spanish. Wherever you are in the tri-state area, the consultation is free and the advice is honest.

BOOK YOUR FREE CONSULTATION

★ ★ ★ ★ ★

I never thought about protecting my income until a friend got hurt and couldn't work. Taurus set me up in one call. Now I don't lie awake wondering what would happen.

Marcus R.

Disability Insurance client, New York

GOOD TO KNOW

Questions, answered straight

What does disability insurance cover?

It replaces a portion of your income if an illness or injury keeps you from working. You use the money for anything, your mortgage, bills, groceries, so your life keeps running while you recover.

What's the difference between short-term and long-term disability?

Short-term covers a brief period, from a few weeks up to about a year. Long-term covers serious conditions that keep you out of work for years, potentially until retirement. Many people pair both.

Do I need it if my job offers some coverage?

Maybe. Employer coverage is often limited and ends if you leave the job. We'll review what you have and show you whether a personal policy is worth adding to close the gap.

Can I get it if I'm self-employed?

Yes, and it matters even more, because there's no employer safety net. We build coverage around your income and your business so a health setback doesn't become a financial one.