Disability Insurance provides cash benefits to replace lost income and cover medical expenses. There are two types of Disability Insurance: short-term and long-term. Short-term disability is generally recommended for individuals who are earning a significant portion of the household’s income. This coverage can protect major assets, such as homes and vehicles, from falling into foreclosure in the event the insured individual is forced to stop working.
Long-term disability insurance is designed to protect individuals and families against financial hardship when a loved one requires ongoing medical care, typically as a result of illness. Long-term DI is recommended for individuals entering retirement. Planning for unforeseen circumstances is one of the most important wealth and well-being considerations to make when exiting the workforce.
What we do
- Help select the right coverage and services to meetyour goals.
- Handle all of the legwork involved in obtaining coverage.
- Keep you up to date on changes and notify you when your options have changed.
Very happy with Mr. Claeys. He is very helpful and got all of our insurance set up. Would definitely recommend his... services.read more
John was very pleasant and helpful with us choosing a great plan that fits our needs!! Highly recommend!!!
I thought I could manage signing up for Medicare myself. But it just raised more questions. John Claeys really helped... me negotiate the process and made it painless! I recommend him to all my friends.read more
The Claeys Group did an exceptional job in setting my wife and myself up for Medicare program! Thank you very much!
Thank you John Claeys for all the information you gave us about the supplemental Insurance. You are the best. If you... need supplemental Insurance I highly recommend John. He is very professional and is very caring about your needs. He strives to get you the best insurance for your needs and at the lowest cost possible.read more
John was very knowledgeable regarding the best insurance for us and setting it all up.
I was looking for some help and wisdom on making a decision on Medicare and supplemental plans as well as prescription... plans. I called John and he came over and was so very helpful. One of the things I really appreciated was his patience with all of my questions. And I had a lot of them. He is available to me whenever I have a question. Thank you, John. I highly recommend him.Duaneread more
Very knowledgeable, very friendly, very helpful. I highly recommend him and his service. EXCELLENT IN EVERY WAY.
John is very helpful, and knowledgeable about the intricacies of Medicare. Also excellent communication and no sales... pressure. Highly recommend.read more
John Claeys has been so helpful and knowledgeable when it comes to understanding Medicare, the supplemental plans,... drugs plans and navigating what options are best for your financial situation. I highly recommend John for all your questions and assistance with signing up for Medicare and the associated plans.read more
If anyone needs help with their medicare or insurance needs John is your man. Anytime I have questions I can call him... and he will answer all of my calls. He takes time to explain to me my questions. Can't go wrong with John.read more
John was a true blessing! My husband and I both recently enrolled in Medicare and John walked us through the process.... He is very knowledgeable and keeps us informed of changes that could impact us. We highly recommend his service!read more
John is invaluable. Navigating insurance is difficult at best, but he made it simple every step of the way when my Mom... retired and EVERTYHING was changing. He explained our options AND found her the best deal. He also always responds to questions!read more
John Claeys with the Claeys Group Insurance Services has been extremely helpful with my freshly-retired change of... insurance. He has extensive knowledge and the gift of explanation. I appreciate so much the time and headaches he saves me!read more
Very helpful as I transitioned to Medicare. Clearly explained available options. I never felt any pressure to make... decisions before I had all the necessary informationI highly recommend John.read more
John was informative, helpful and caring. His advice was just what we needed as we started on our Medicare journey. We... would highly recommend his services.read more
We started using John's services 10 years ago. He has proven to be very knowledgeable about the ever-changing health... care rules. He made the nightmare of choosing the right medicare and supplement policy a breeze. The best part is that he doesn't disappear after you decide on a policy. He's there for the long haul and ready to help you with issues that may arise. Highly recommend his services.read more
I am so grateful I used the Claeys Group for my Medicare questions and navigation. He was so informative and helpful!!... Thanks again!!read more
John came to my business and was very helpful and friendly. Answered all my questions and helped me discover the right... options for my Medicare needs.Would very much recommend him to help navigating the process for signing up!read more
My wife and I continue to enjoy John and his knowledge as he helps us change and work on our policies for 2025! Thanks... John!read more
John has been my insurance guy for years. He is not only very professional, but a great guy. Very friendly and very... knowledgeable in what he does. I would recommend John to everyone.read more
I had a lot of questions about signing up for Medicare. John patiently listened to my questions and then gave me a... thorough explanation of what to expect and how to proceed. He was very easy to work with and promptly returned my calls and emails. I highly recommend John if you have questions or concerns about Medicare, supplemental insurance, or drug plans.read more
John Claeys has the highest standards conducting business. His knowledge and attention to detail makes every client... informed and comfortable with what they are purchasing. Exceptional service.read more
Very helpful, friendly, and knowledgeable. Plan pricing was accurate, and I was kept informed throughout the process.
John Claeys is a great insurance agent. He is very pleasant and professional to work with and will get you the best... insurance at the lowest price. He is quick to return phone calls and resolve issues. We highly recommend him for your insurance needs.read more
If if spent a week studying the options for Medicare and all of the choices that go along with it, I’m sure that I... would still be uncertain about what to do. John does a great job of explaining all of the options, including the advantages and disadvantages of each. I recommend him highly without any reservations.read more
John sat down with both of us and explained everything and answered any questions we had. He researched for the best... plans for us. Highly recommend!!read more
With all the endless solicitations I had received as I approached my 65th birthday, I had never expected to feel so... comfortable and relieved to have John guide me seamlessly through the process. I couldn’t have asked for a finer experience. Not really having a clue going into our meeting, I left having confidence that I was gifted with the perfect plan as well as an advocate in my corner.I continue to get timely explanations and guidance anytime I send a question on Medicare material.If like me you are approaching this monumental deadline, contact John and let him handle this important process. You will not be disappointed.read more
John answered all my questions and found me a great plan at an affordable premium.
Very happy with Mr. Claeys. He is very helpful and got all of our insurance set up. Would definitely recommend his... services.read more
John was very pleasant and helpful with us choosing a great plan that fits our needs!! Highly recommend!!!
I thought I could manage signing up for Medicare myself. But it just raised more questions. John Claeys really helped... me negotiate the process and made it painless! I recommend him to all my friends.read more
The Claeys Group did an exceptional job in setting my wife and myself up for Medicare program! Thank you very much!
Thank you John Claeys for all the information you gave us about the supplemental Insurance. You are the best. If you... need supplemental Insurance I highly recommend John. He is very professional and is very caring about your needs. He strives to get you the best insurance for your needs and at the lowest cost possible.read more
John was very knowledgeable regarding the best insurance for us and setting it all up.
I was looking for some help and wisdom on making a decision on Medicare and supplemental plans as well as prescription... plans. I called John and he came over and was so very helpful. One of the things I really appreciated was his patience with all of my questions. And I had a lot of them. He is available to me whenever I have a question. Thank you, John. I highly recommend him.Duaneread more
Very knowledgeable, very friendly, very helpful. I highly recommend him and his service. EXCELLENT IN EVERY WAY.
John is very helpful, and knowledgeable about the intricacies of Medicare. Also excellent communication and no sales... pressure. Highly recommend.read more
John Claeys has been so helpful and knowledgeable when it comes to understanding Medicare, the supplemental plans,... drugs plans and navigating what options are best for your financial situation. I highly recommend John for all your questions and assistance with signing up for Medicare and the associated plans.read more
If anyone needs help with their medicare or insurance needs John is your man. Anytime I have questions I can call him... and he will answer all of my calls. He takes time to explain to me my questions. Can't go wrong with John.read more
John was a true blessing! My husband and I both recently enrolled in Medicare and John walked us through the process.... He is very knowledgeable and keeps us informed of changes that could impact us. We highly recommend his service!read more
John is invaluable. Navigating insurance is difficult at best, but he made it simple every step of the way when my Mom... retired and EVERTYHING was changing. He explained our options AND found her the best deal. He also always responds to questions!read more
John Claeys with the Claeys Group Insurance Services has been extremely helpful with my freshly-retired change of... insurance. He has extensive knowledge and the gift of explanation. I appreciate so much the time and headaches he saves me!read more
Very helpful as I transitioned to Medicare. Clearly explained available options. I never felt any pressure to make... decisions before I had all the necessary informationI highly recommend John.read more
John was informative, helpful and caring. His advice was just what we needed as we started on our Medicare journey. We... would highly recommend his services.read more
We started using John's services 10 years ago. He has proven to be very knowledgeable about the ever-changing health... care rules. He made the nightmare of choosing the right medicare and supplement policy a breeze. The best part is that he doesn't disappear after you decide on a policy. He's there for the long haul and ready to help you with issues that may arise. Highly recommend his services.read more
I am so grateful I used the Claeys Group for my Medicare questions and navigation. He was so informative and helpful!!... Thanks again!!read more
John came to my business and was very helpful and friendly. Answered all my questions and helped me discover the right... options for my Medicare needs.Would very much recommend him to help navigating the process for signing up!read more
My wife and I continue to enjoy John and his knowledge as he helps us change and work on our policies for 2025! Thanks... John!read more
John has been my insurance guy for years. He is not only very professional, but a great guy. Very friendly and very... knowledgeable in what he does. I would recommend John to everyone.read more
I had a lot of questions about signing up for Medicare. John patiently listened to my questions and then gave me a... thorough explanation of what to expect and how to proceed. He was very easy to work with and promptly returned my calls and emails. I highly recommend John if you have questions or concerns about Medicare, supplemental insurance, or drug plans.read more
John Claeys has the highest standards conducting business. His knowledge and attention to detail makes every client... informed and comfortable with what they are purchasing. Exceptional service.read more
Very helpful, friendly, and knowledgeable. Plan pricing was accurate, and I was kept informed throughout the process.
John Claeys is a great insurance agent. He is very pleasant and professional to work with and will get you the best... insurance at the lowest price. He is quick to return phone calls and resolve issues. We highly recommend him for your insurance needs.read more
If if spent a week studying the options for Medicare and all of the choices that go along with it, I’m sure that I... would still be uncertain about what to do. John does a great job of explaining all of the options, including the advantages and disadvantages of each. I recommend him highly without any reservations.read more
John sat down with both of us and explained everything and answered any questions we had. He researched for the best... plans for us. Highly recommend!!read more
With all the endless solicitations I had received as I approached my 65th birthday, I had never expected to feel so... comfortable and relieved to have John guide me seamlessly through the process. I couldn’t have asked for a finer experience. Not really having a clue going into our meeting, I left having confidence that I was gifted with the perfect plan as well as an advocate in my corner.I continue to get timely explanations and guidance anytime I send a question on Medicare material.If like me you are approaching this monumental deadline, contact John and let him handle this important process. You will not be disappointed.read more
John answered all my questions and found me a great plan at an affordable premium.
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