Innovative Benefit Solutions
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Individual Benefit Services: The Services You Need at a Price You Can Afford.
Group Benefit Services
Health Insurance
Ancillary Insurance
(Life, etc.)
Health Savings
Accounts (HSA’s)
Disability Insurance
(Income Protection)
Investments &
Estate Planning
401K/IRA Plans
Other Services
Disability Insurance (Income Protection)
If I am injured resulting in some period of time in which I can not work or earn a living, what will happen to all I have worked so hard to obtain, and how can I protect my loved ones?
Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different. This is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract. Innovative Benefit Solutions is here to provide you a resource to make an educated decision on your own. We will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy.

Solutions For You:
We provide disability products for people of all walks of life. Blue collar to professional and self-employed. Find out what we can do for you. Here are some of the products we offer:

  • Individual DI
  • Guarantee Issue Plans
  • Senior DI
  • Critical Illness
  • Physicians Excess Limits
  • Individual/Group Combo
  • Performance Contracts
  • Business Overhead Expense Plans
  • Buy/Sell Plans
  • High Excess Limits
  • Key Person
  • Bank Loans
  • Impaired Risk
  • Employment Contracts
  • Multi Life/List Bill
  • Divorce Settlements
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