Our Services
Disability doesn't take a day off. Neither do we. Shield Insurance covers the gap when you can't work—and we make sure you get paid what you're owed. No runaround. No corporate speak. Just straightforward protection for your paycheck. We've been doing this since 2011, and we've learned that disabled folks need insurance that actually works. That's us.
Each service is delivered by experienced professionals, with a clear plan and a satisfaction focus.
Service 1
Miss work for a few weeks? We've got you. This covers 60-70% of your income while you recover from surgery, injury, or illness. Waiting periods are short. Claims process is faster. You'll know where you stand before you need to worry about next month's rent.
- Covers up to 26 weeks of missed income
- Starts paying after just 7-14 days
- Works with your employer benefits
- No medical exams for most applicants
Service 2
Can't work for months or years? Long-term disability steps in where short-term ends. This isn't charity—it's your replacement income. We pay until you can work again or reach retirement age. Benefits are usually tax-free. Peace of mind costs less than you'd think.
- Replaces 50-70% of your salary
- Covers physical and mental conditions
- Lasts until age 65 or recovery
- Integration options with Social Security
Service 3
Self-employed? Freelancer? Contractor? You don't have an employer's safety net. IDI is your personal policy. Protects your business income if you're injured or sick. Coverage is customizable. And yes, it's actually affordable for solo workers.
- Tailored to your actual income
- Own-occupation coverage available
- Protects your business continuity
- Portable—goes with you between jobs
Service 1
Running a company? Your employees deserve better than nothing. Group disability is cheaper per person than individual policies. Improves morale. Reduces turnover. Plus it's a tax deduction for you. We handle enrollment and administration. You just offer good benefits.
- Covers 10+ employees affordably
- Simplified underwriting for groups
- Flexible benefit structures
- Full-service claims management
Service 2
Something happens fast. A car wreck. A fall. You're suddenly unable to work. This rider covers accidents specifically—and pays out quick. It supplements your main disability policy. Think of it as an extra layer of protection for the unexpected.
- Fast cash payments for accidents
- Covers partial or full disability
- Can add to existing policies
- 24/7 emergency claims support
Service 3
Got a claim? We don't just take your paperwork and disappear. Our team walks you through every step. We fight with insurers on your behalf. We explain what's happening. Most people don't know what they're entitled to. We do. Let's make sure you get it.
- Dedicated claims advocate assigned
- Regular status updates
- Appeals assistance included
- Language support available
Need a Custom Solution?
Contact us to discuss your specific requirements and get a personalized quote.
Contact Us