Established in 1998, our mission is simple: deliver best-in-class strategies that positively impact employers and improve the lives of employees and families.
During the working years, an individual is more than three times as likely to experience a disabling sickness or injury than to die prematurely. Disabilities can result from accidents, chronic illness, or unexpected medical conditions, and they often occur when families are still actively building their financial future.
Some disabilities last only a few months, while others can continue for years—or even for the remainder of a person’s career. The result can be millions of dollars in lost income over a lifetime. At the same time, medical expenses and the cost of care are often higher for disabled individuals, creating additional pressure at the very moment income is reduced.
Disability insurance is designed to help protect individuals and their families from the financial hardship caused by short-term or long-term disability. By replacing a portion of lost income, disability coverage helps ensure that essential expenses can still be met and long-term financial goals remain within reach, even during life’s unexpected challenges.
Insurance can be complex. Our team is here to provide clear guidance and personalized support.
Our team delivers personalized guidance, strategic solutions, and dependable support to help you protect what matters most.
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UBA is a partner-owned network of more than 140 premier independent advisory firms with over 200 offices across the U.S., Canada, and the U.K. Through collaboration with more than 2,200 experienced benefits professionals and access to over $16 billion in employee benefit expenditures.