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.

Long Term Care Insurance

More than half of the U.S. population will require long-term care at some point in their lives, and it is not only of concern or retirees or the elderly. Only about 60% of recipients are older than sixty-five, and nearly 40% of are between eighteen and sixty-four. They may not be sick, but are unable to handle the every-day basics of eating, dressing or walking. Care may require adult daycare, home healthcare, a nursing home, assisted living, respite care, hospice, or even an Alzheimer’s facility.

Out-of-pocket costs for these services can be prohibitive, and is the greatest threat to financial security. Medicaid may provide some services for those with limited incomes, but usually will not cover in-home care, a private room, or assisted living.

A long term care insurance policy can only be cancelled for nonpayment, and it is guaranteed renewable for life.

Howard will guide you to the right carrier.


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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.