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Huhn Insurance Agency
Income Protection if Illness or Injury Keeps You from Working
Protect Your Income if You Can’t Work
If an injury or illness keeps you from working, disability insurance can help replace your income so you can focus on recovery — not bills. We help individuals, families, and business owners understand and compare disability insurance options. Whether you need short-term coverage for a few months or long-term protection for bigger life changes, we’ll help you find the right plan.
What You Need to Know About Disability Insurance
Not Sure How It Works?
Disability insurance pays a portion of your income if a covered medical condition prevents you from working. There are two main types: short-term (usually 3–6 months) and long-term (which can last several years or until retirement age). Some policies start right away, while others have waiting periods. We’ll explain what you’re eligible for, how much coverage you may need, and how to layer this protection with other benefits.
What We Help With
- Comparing short-term & long-term disability plans
- Explaining waiting periods, benefit amounts & coverage terms
- Helping self-employed individuals and 1099 workers get protection
- Reviewing options with or without medical underwriting
- Supporting group plans for small businesses
- Coordinating benefits with accident, life, or health coverage
Who This Is For
- Individuals without employer-sponsored disability benefits
- Self-employed professionals, tradespeople & gig workers
- People with families or monthly bills to cover
- Anyone who wants to protect their income from unexpected events
- Business owners offering voluntary or employer-paid disability coverage
Notes & Tips
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Wyoming doesn’t have a state disability program — private insurance is often your only option.
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Many outdoor professionals and tradespeople rely on disability coverage to stay financially stable during recovery.
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You can choose how much income to replace — we’ll help you decide based on your expenses and savings.
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We work with individuals in your area to set up customized disability protection plans.
Frequently Asked Questions
How much of my income does disability insurance replace?
Typically 50% to 70%, depending on the plan. We’ll help you estimate how much coverage is right for you.
What’s the difference between short-term and long-term disability?
Short-term covers temporary recovery periods; long-term covers more serious or extended conditions. We can help you explore both.
Do I need a medical exam?
Not always. Some plans offer simplified underwriting — we’ll walk you through your options.
Is this the same as Social Security Disability?
No. SSDI is a government program with strict rules. Private disability insurance provides faster and more flexible benefits
Can business owners offer this to employees?
Yes — many small businesses offer disability plans as part of a voluntary or employer-paid benefit package.
Protect Your Income with the Right Disability Coverage
We’ll help you prepare for the unexpected — with clear, affordable disability insurance that works for your life.
