Looking for Individual Disability Insurance?We Can Help Get You Covered. Here's How: It Begins With You We listen to your situation in order to best understand where we can help. With just some simple information we can get started on a solution for you. The more you share, the more specific our solutions can become. We Do the Homework We take what you have shared with us and pursue coverage to meet your needs at the most competitive rates available. We are independent and licensed with many quality carriers which allows us to provide the best policy options for you. You Decide What's Best for You We present clearly and entirely the best options available to you. You can trust we put your best interests first and deliver to you a true understanding of your coverage. We're Here to Answer Your Questions,Call Us at 248-298-4000 or Reach Us By Email at RJHoover@HooverAssociates.com Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance. Learn More Can Group, Private Disability Policies Work Together? Loss of income from disability has the potential to cause financial hardship. Disability insurance can help. Learn More Have a Question? We're Here to Help. Name Email Phone Question Thank you! Oops! We are Experienced, Local and Professional.We have been implementing disability insurance for individuals and businesses for nearly 30 years. We have experience with insuring many professionals including doctors, business owners, executives and attorneys. Even the best financial plan can be undermined by the unexpected. We know you’ve worked hard to build your career. Leave nothing to chance. Protect your paycheck.We do all that we can to make the process simple and design a policy that fits your specific needs. We can meet with you at our Royal Oak office or simply over the phone. Protect Your Largest Asset. Insure Your Future With Individual Disability Insurance. How much does Individual Disability insurance cost? What is costs to insure your your income might surprise you. It's affordable for many occupations and you can make the policy right for you with many options of coverage. Do I have enough disability coverage through my employer? Many people are not as well covered as they think. We’ll go through your benefits package with you to review all of your existing options. If needed, we will help you find the right supplemental coverage to fill in the gaps. How do I get the right Individual Disability Policy for my situation? We have relationships with many of the highest rated carriers. We work with them on your behalf to find the most competitive and complete policies for you. We clearly present the options to you and help you make the best-informed decision.