Frequently Asked Questions
Disability insurance can feel confusing. There's a lot of jargon, different plan types, and honestly — most people don't think about it until they need it. That's exactly why we put together this page. Stick around and we'll walk you through what Shield Insurance actually does.
Short-term kicks in fast — usually within 7-14 days — and covers you for a few months while you recover. Long-term disability is the safety net for bigger stuff. If you're injured or sick for months or even years, that's what protects your paycheck. Most people need both, honestly. We can help you figure out what makes sense for your situation and your bank account.
It depends. Your age, job type, how much income you want covered, and your health history all play a role. A 34-year-old office worker might pay $40-60 monthly for solid coverage. A construction worker? Different story. We don't have one-size-fits-all pricing — we'll get specific with you about what you actually need and what it actually costs before you commit to anything.
Apply online or call us. We'll ask some questions about your health and job. Then comes underwriting — that's where we review everything. Takes about 3-5 business days usually. Once approved, your coverage goes live pretty much immediately. Some plans activate the same day you're approved. We'll be clear about timelines from the start, no surprises.
Yeah. We're not in the business of finding reasons to say no. File a claim, we review it, and if it's legit — we pay it. Our process is straightforward. No endless paperwork loops or games. We've handled thousands of claims over the years. Check out our customer reviews or ask for references. People will tell you straight up whether we came through for them.
Absolutely. Self-employed folks actually need disability insurance more than most people do. You don't have an employer safety net. We work with freelancers, contractors, business owners — all of it. The application process is slightly different since we're looking at business income instead of a W-2, but it's doable. Give us a call and we'll walk through what you need.
We cover clients throughout Croatia. Whether you're in Zagreb, Split, Rijeka, or smaller towns in between — we've got you. You can reach us by phone at +385 57 179 5647, email us at [email protected], or stop by our office at Maksimirska 125 in Zagreb if you prefer face-to-face. We're here.
High-risk jobs don't automatically disqualify you. Electricians, construction workers, healthcare professionals — we work with them all the time. Your premiums might be higher because your injury risk is higher. That's just math. We'll be honest about what your coverage costs and what you're getting. No hidden risk adjustments or surprise rate hikes later.
Life happens. You get a promotion, change jobs, have kids — your coverage needs shift. You can absolutely adjust your plan. Maybe you want more coverage. Maybe you want to adjust your waiting period to lower costs. We're not locked into anything forever. Just reach out and we'll talk through what makes sense for where you're at now.