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.
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.
John answered all my questions and found me a great plan at an affordable premium.
The change to Medicare and supplemental health insurance can be terrifying. John Claeys and The Claeys Group Insurance Services made the process unbelievably simple. John is incredibly knowledgeable and up to date on all of the latest requirements. He explained the process and my options in a very simple and concise way and easily helped guide me in making the best decision for my situation. I cannot imagine navigating this medicare system without him. I also feel confident that he will safeguard and watch my situation in the event of future changes. Knowing that he is watching out for me going forward is the best part of all!
John Claeys has been very thorough with every detail of this important decision for me and my future Healthcare. He has such a sweet and caring spirit. I can't imagine using anyone else for my insurance needs.
Excellent customer service. Professional and knowledgeable. Received what I needed and wanted at a reasonable price.
John is a great person first. As an agent he is very knowledgeable of the products and services he offers. For every question I had, he provided answers and solutions. I am very comfortable with him and if you need a capable agent, please contact John Claeys.
John is a very knowledgeable person in his profession. He has helped my husband, my sister, and myself to find the best affordable insurance for each of us…He made navigating through Medicare a breeze for me. He is willing to help in any way and any time of the day.Thank you John for all your help.
He explained the ins and outs of how Medicare works and clarified the confusion. Highly recommend John Claeys!
John is very professional and courteous. His knowledge and attention to detail is exemplary. I can highly recommend Claeys Group Insurance. He does a great job.
I have had excellent customer service.Claeys insurance company has helped me for several years now and he does a wonderful job setting me up with the right insurance that fits my needs .I really appreciate the job he does and Thank you again.
Highly professional with attention to detail. Felt like John was genuinely interested in matching my needs to the various options.
John was very pleasant and professional. Medicare can be very confusing. He had all the answers for me.
I am so thankful for John's help and kindness...he explains everything so clearly and I feel confident that he is truthful and finding the best plan for me.
My husband and I have used John's services for several years, as do many of our friends. At no time has his recommendations let us down. He is kind, patient in making sure we understand our choices and was there for any and all questions afterwards. He would be our ONLY choice when it's your turn to use his insurance services. He will not let you down. What a professional! 🙂
John was very helpful in guiding me through the medicare choices. He explained everything thoroughly and answered all my questions.
Mr. Claesy, was a pleasure to work with on just a short time table, my not paying attention to dates for Medicare changes! We really appreciated his response and meeting personally with us. We highly recommend him for your insurance needs. Thanks again for doing a wonderful service.
John was very helpful in selecting insurance companies for Roy. He demonstrated that he was very knowledgeable about what was available and what was needed. He made recommendations, provided details, and gave good advice to us. He was flexible and did what we asked of him to complete the process of selecting the best insurance companies for the situation. We are grateful for his help and pleased with the results.
John is a very knowledgeable subject matter expert and is thorough in his approach. He takes time breaking down and explaining what can be a somewhat complex subject and helps makes it easier to understand! John always has the best interests of his clients guiding his recommendations. We have found John's advice to be extremely helpful and would recommend him to anyone seeking health insurance.
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.
John answered all my questions and found me a great plan at an affordable premium.
The change to Medicare and supplemental health insurance can be terrifying. John Claeys and The Claeys Group Insurance Services made the process unbelievably simple. John is incredibly knowledgeable and up to date on all of the latest requirements. He explained the process and my options in a very simple and concise way and easily helped guide me in making the best decision for my situation. I cannot imagine navigating this medicare system without him. I also feel confident that he will safeguard and watch my situation in the event of future changes. Knowing that he is watching out for me going forward is the best part of all!
John Claeys has been very thorough with every detail of this important decision for me and my future Healthcare. He has such a sweet and caring spirit. I can't imagine using anyone else for my insurance needs.
Excellent customer service. Professional and knowledgeable. Received what I needed and wanted at a reasonable price.
John is a great person first. As an agent he is very knowledgeable of the products and services he offers. For every question I had, he provided answers and solutions. I am very comfortable with him and if you need a capable agent, please contact John Claeys.
John is a very knowledgeable person in his profession. He has helped my husband, my sister, and myself to find the best affordable insurance for each of us…He made navigating through Medicare a breeze for me. He is willing to help in any way and any time of the day.Thank you John for all your help.
He explained the ins and outs of how Medicare works and clarified the confusion. Highly recommend John Claeys!
John is very professional and courteous. His knowledge and attention to detail is exemplary. I can highly recommend Claeys Group Insurance. He does a great job.
I have had excellent customer service.Claeys insurance company has helped me for several years now and he does a wonderful job setting me up with the right insurance that fits my needs .I really appreciate the job he does and Thank you again.
Highly professional with attention to detail. Felt like John was genuinely interested in matching my needs to the various options.
John was very pleasant and professional. Medicare can be very confusing. He had all the answers for me.
I am so thankful for John's help and kindness...he explains everything so clearly and I feel confident that he is truthful and finding the best plan for me.
My husband and I have used John's services for several years, as do many of our friends. At no time has his recommendations let us down. He is kind, patient in making sure we understand our choices and was there for any and all questions afterwards. He would be our ONLY choice when it's your turn to use his insurance services. He will not let you down. What a professional! 🙂
John was very helpful in guiding me through the medicare choices. He explained everything thoroughly and answered all my questions.
Mr. Claesy, was a pleasure to work with on just a short time table, my not paying attention to dates for Medicare changes! We really appreciated his response and meeting personally with us. We highly recommend him for your insurance needs. Thanks again for doing a wonderful service.
John was very helpful in selecting insurance companies for Roy. He demonstrated that he was very knowledgeable about what was available and what was needed. He made recommendations, provided details, and gave good advice to us. He was flexible and did what we asked of him to complete the process of selecting the best insurance companies for the situation. We are grateful for his help and pleased with the results.
John is a very knowledgeable subject matter expert and is thorough in his approach. He takes time breaking down and explaining what can be a somewhat complex subject and helps makes it easier to understand! John always has the best interests of his clients guiding his recommendations. We have found John's advice to be extremely helpful and would recommend him to anyone seeking health insurance.
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