Disability Insurance

An injury or illness can halt earnings in a flash, adding stress to mounting medical expenses. Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) offer a modest benefit that may avert abject poverty, but are not enough to maintain a nice standard of living.

Whether used for a paid sick leave, or short-term or long-term disability, we have a policy to cover expenses should you become unable to work.

Many people think that disability is the result of a tragic accident, but it is more likely to stem from an illness such as cancer or heart disease, or from an accident that requires physical rehab but does not permanently disable. Recovery may take a few months or few years. During that time, personal disability insurance can help maintain a quality standard of living.

Retirement Protection insurance may work in concert with a disability policy. When unable to physically earn money a person can no longer contribute to a retirement plan. Retirement Protection provides a way to feed your retirement plan, even if you’re disabled and earnings are diminished for a prolonged period.

Disability Resources and Information from The Council for Disability Awareness.

Are you ready to take the next step and speak with a financial professional?

For decades insurance has been a necessary evil – a piece of financial protection that wise individuals won’t live without. And while it’s always been considered part of “financial planning”, most of the planning relates to the individual becoming disabled or meeting an untimely death and making arrangements for the family’s financial security if the unthinkable occurs.

Now families, individuals and business owners can add insurance products to their active financial planning tool kits –to improve their lifestyles, to increase their own net worth, and to enjoy life and prosperity even while they plan for retirement.

Learn more about the Circle of Wealth and the positive impact insurance products can have right now — not only when the unthinkable happens.

Discover a new way to look at saving.



Guide Your Business. Protect Your Key People. Learn and Implement The Financial Strategies Of The Wealthy.

Tier 1 Capital of Georgia, LLC will help you learn more about Group Health Insurance and Business Continuation Insurance.

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    Tier 1 Capital of Georgia, LLC is an Atlanta-based agency advising clients on purchasing health, life, and disability insurance coverage, long-term care coverage, as well as customized plans for their financial future. Tier 1 Capital of Georgia, LLC brings more than two decades of extensive experience in long-term insurance and retirement planning for individuals, professionals, small business owners and families.

    Tier 1 Capital of Georgia, LLC's Howard is both a Chartered Life Underwriter® (CLU), offering expertise on risk management to clients on topics like financial planning, insurance law, estate planning, and business planning; and a Chartered Financial Consultant® (ChFC), focusing on financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.