RAM Financial LTD is the trusted source for complete short-term and long-term disability insurance plans. We offer individuals and businesses alike a full spectrum of coverage options that cater to varying needs and budgets.
Speak with one of our experts today. Contact us now at (306) 244-7660 to inquire.
Choosing the Best Disability Insurance with RAM Financial LTD
Personalized Consultations Tailored to You
When you give us a call, we’ll schedule a no-obligation consultation with you at your earliest convenience. Our knowledgeable insurance brokers will sit down with you to help you choose the best disability insurance for your unique needs. First, we’ll ask you some questions such as your current salary and expenses to evaluate your financial liabilities. These questions might also pertain to:
Based on the information you give us, we’ll calculate the minimum amount of coverage you would need to live in the case that a disability prevented you from earning an income. From there, we’ll lay out several options in front of you, ranging from the essentials to more inclusive coverage plans.
If you like, we’ll give you our impartial, expert advice, gleaned from years of working in the industry. When you’ve selected a plan that fits both your needs and budget, we’ll go over the fine print with you one last time to make sure we leave none of your questions unanswered.
Short-Term Disability Insurance
Short-term disability coverage is a specific kind of policy for situations where you are only temporarily unable to work. Often, these plans cover anywhere from a few months to one year of unemployment. Typically, you can expect short-term insurance plan payouts to be 60-70 percent of your base income.
Thanks to our extensive network of insurance providers, our agency is uniquely positioned to provide the best-value short-term disability plans available.
Long-Term Disability Insurance
Long-term disability plans, on the other hand, cover the whole length of the disability period, or until retirement age. The payouts usually are slightly lower than short-term plan payouts, typically representing 40-60 percent of your base salary.
If you’re looking for long-term disability coverage, you won’t find a better selection anywhere else.
Disability Insurance Claims Assistance
Our insurance consultants do more than help you select a plan—we offer our full support when you need to make a claim, too. Our customer support agents are well-versed in claims procedures and can walk you through the process step by step.
Not to mention, if at any point you’d like to upgrade, renew, or cancel your plan, we’re always available by phone to make all your transactions quick and stress-free.
For us, top-quality service is not a bonus feature. It’s ingrained in every aspect of what we do.