Important Income Protection

Disability Insurance

Be prepared for the unknown… insure your paycheck

If you depend on your paycheck to meet your financial obligations then you need Disability Insurance. Disability Insurance reimburses you for lost wages in the event that an injury or illness renders you unable to work.


Discover how disability insurance can help you:

  • Recover a significant portion of your income if you are sick or injured
  • Protect your home and other financial commitments
  • Provide a sense of financial security
  • Protect your lifestyle


Why Prepare For The Unknown

Don't underestimate the financial risk to you and your family in the event that you lose your income. According to the Council for Disability Awareness:

Average Worker

Disability Benefits


 30% have a chance of becoming disabled

12% Will receive

disability benefits


Workers will be disabled at least five years during their work time

Age is not a factor in determining your need for Disability Insurance.  Injuries and illnesses can happen to anybody at any time.

Short Term Disability:

Provides coverage for a short amount of time. Its benefits can be used for instances such as the following:

  • Accident
  • Childbirth
  • Illness



Two Types of Disability Insurance:

Long Term Disability:

Provides a longer term coverage for illness and accident than short term. Its benefits can also be used for instances such as the following:

  • Accident
  • Cancer
  • Cardiovascular Disease
  • Mental Disorder
  • Musculoskeletal/Connective tissue


  • Disability insurance Quote Request Form

    We are here to help. Our office hours are Monday through Thursday 8:30 am -5:00 pm and Friday 8:30 am to 4:00 pm.

    **Please be advised that we cannot bind or alter coverage via fax, voicemail, text or email**


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How can MTM help?

MTM’s trained insurance professionals can assist you in determining the policy that best fits your needs.  We can help you with:


  • Understanding your policy
  • Saving you money
  • Filing a claim
  • Local service with Massachusetts locations in North Andover, Billerica and Haverhill. In addition, we are licensed in many, states including but not limited to NH, ME, VT, CT, NJ and RI.
MTM Insurance Associates, LLC home page
MTM Insurance Associates, LLC home page
MTM Insurance Associates, LLC home page