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Disability Insurance in Northern Colorado

Protect Your Income, Protect Your Future

An unexpected illness or injury can put your ability to work — and your family’s financial stability — at risk. Disability insurance in Northern Colorado replaces a portion of your income if you’re unable to work, helping cover essential expenses like housing, groceries, medical bills, and more. At Chris Young Agency, we help you understand your options so you can plan with confidence.

What Disability Insurance Covers

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Short-Term Disability

Provides income replacement for temporary disabilities that prevent you from working, usually lasting 3–6 months.

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Long-Term Disability

Covers more serious illnesses or injuries that keep you from working for an extended period — sometimes years or even permanently.

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Partial Disability Coverage

Pays a portion of your lost income if you’re able to work part-time or at reduced capacity due to illness or injury.

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Rehabilitation Benefits

Covers vocational training or therapy to help you recover and return to work sooner.

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Supplemental Disability

Adds extra income protection on top of employer-provided disability insurance, ensuring you’re not left underinsured.

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Cost of Living Adjustments (COLA)

Optional coverage that increases benefits over time to keep pace with inflation.

Benefits of Disability Insurance

Your most valuable asset is your ability to earn an income. Disability insurance ensures that even if life throws you an unexpected challenge, your family can continue meeting financial obligations without stress. At Chris Covers Your Assets, we take the time to explain each option so you understand exactly how your coverage works and why it matters.

Frequently Asked Questions

  • Is disability insurance required?

    No, but it’s highly recommended. Many employers offer some coverage, but it’s often limited. Individual policies provide more flexible and reliable protection.

  • How much disability coverage do I need?

    Most people aim for 60–70% of their gross monthly income, which allows them to maintain their standard of living while covering essential expenses.

  • What’s the difference between short-term and long-term disability?

    Short-term covers temporary conditions (like surgery recovery), while long-term covers chronic or severe conditions that last six months or longer. Many people choose to carry both.

  • Does disability insurance cover workplace injuries?

    Workplace injuries are typically covered by workers’ compensation. Disability insurance is designed to cover non-work-related illnesses or injuries that prevent you from working.

Why Choose Chris Covers Your Assets

With nearly 30 years of experience, Chris helps families across Northern Colorado and beyond protect their financial future. His education-first approach means you’ll always know exactly how your coverage works, so you’re never caught off guard.

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