If an injury or illness kept you from working for months — or even years — could you stay financially afloat? Long-term disability insurance from Bucher Insurance provides peace of mind for individuals, families, and employers across Miamisburg, Dayton, Springboro, Centerville, and surrounding areas.
This coverage replaces a portion of your income — often 50–70% — when a medical condition prevents you from working for an extended period. It typically kicks in after a short-term disability policy or employer sick leave ends, and can last several years or even until retirement depending on your plan.
Long-term disability insurance helps cover income loss due to:
- Major surgeries or recovery complications
- Chronic illnesses or conditions
- Severe accidents or injuries
- Permanent or long-term impairments
We offer coverage for both individuals and businesses. If you’re self-employed or don’t have employer benefits, we’ll help you secure private protection. If you’re a business owner, we’ll build a group benefits package that supports your team and strengthens retention.
Our team takes time to explain benefit periods, elimination periods, and coordination with other coverages like short-term disability, workers’ comp, or Social Security.
With Bucher Insurance, you’ll always have local experts looking out for your future — so you can focus on recovery, not worry.
Request a long-term disability insurance quote today and keep your income protected, no matter what life brings.
