Massachusetts Disability Insurance Coverage for Greater Boston, North Shore, South Shore and Metro West Residents

Disability Insurance products cover total or partial disability of professionals, business executives, small business owners and others. Disability Insurance protects your most valuable asset, your ability to earn an income. A long-term disability could suspend or terminate your income for an extended period of time. It may force you not to work on your job or even close your business. Jeff Carbone Insurance Agency offers a wide variety of Disability Insurance products for individuals and businesses from trusted companies to provide a source of income in the event of a disability.

Some of the Disability Insurance coverage's offered are:


Disability Income
Disability Income Insurance protects your most valuable asset, your ability to earn an income. In situations where your employer's plan isn't enough, Disability Income Insurance offers protection through benefits that provide a portion of your pre-disability income.

Interim Term
Interim Term Disability Insurance provides temporary coverage until an employee qualifies for employer-sponsored disability coverage.

Disability Overhead Expense
When you're disabled and your income is drastically reduced or stopped, you still have to face your continuing overhead expenses—rent, bills, salaries, and more. In order for your practice or business to stay open, you must continue to pay for these ongoing expenses. Disability Overhead Expense coverage is designed to reimburse a business owner for covered overhead expenses which continue during a total or partial disability.

Key-Person Disability
When a key employee is disabled the loss is experienced in two ways. The first is the loss of profits that would have been attributed to the key employee. The second is the cost associated with finding a replacement. Key-Person Disability coverage is designed to provide your business with income during the disability of a key employee within a large or small company.

Disability Buy-Out Coverage
Disability Buy-Out Coverage funds a disability buy-out agreement between business owners, if a total disability gradually forces one of the owners to stop working. It is designed to reimburse the buyers of a business for the cost of purchasing the disabled Insured's interest in the business.

Group Short Term Disability
Group Short Term Disability Insurance replaces a percentage of your employees' pre-disability earnings up to a maximum benefit on a weekly basis. It provides weekly benefits for disabilities lasting up to 26 weeks and is available to small and large businesses.

Group Long Term Disability
Group Long Term Disability Insurance replaces a percentage of your employees' pre-disability earnings up to a maximum benefit on a monthly basis. It provides benefits up to age 65 with Standard ADEA Grading and is available to small and large businesses.


If you have any specific questions regarding any life insurance coverage we offer please call 1.866.3.INSURE or click here to fill out the life insurance request a quote form and have one of our knowledgeable agents contact you at a time that suits you best.