Multiple Company Options
Protection against price increases
Local service -
No call center
Disability Income Insurance
Your ability to earn a paycheck is likely your most valuable asset. If an illness or injury kept you from working for months, how would you pay the mortgage, car payment and grocery bill? Disability income insurance replaces part of your income while you recover.
Nothum Insurance helps workers, business owners and self-employed people in Washington and across Eastern Missouri find disability coverage that fits their job and budget.
Short-Term vs. Long-Term Disability
• Short-term disability typically pays benefits for a few months after a short waiting period
• Long-term disability can pay for years, or until retirement age, after a longer waiting period
• Many employer plans offer limited benefits, and coverage usually ends when you leave the job
• Individual policies are portable and can be designed around your occupation
Key Policy Features We'll Help You Compare
• Benefit amount: the percentage of your income the policy replaces
• Elimination period: how long you wait before benefits begin
• Benefit period: how long benefits can last
• Definition of disability, including own-occupation coverage
• Residual or partial disability benefits if you can work part time
• Cost of living adjustments
Who Needs Disability Insurance?
• Self-employed people and business owners with no employer coverage
• Tradespeople and others whose job depends on physical health
• Families that depend on one main income
• Professionals who want to protect a high income
Business owners can also ask about business overhead expense coverage to keep the business running during a disability.
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves workers and business owners throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
Protect your paycheck. Request a free disability insurance review.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020