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.
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.
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!read more
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.read more
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.read more
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.read more
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.read more
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.read more
Highly professional with attention to detail. Felt like John was genuinely interested in matching my needs to the... various options.read more
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.read more
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! 🙂read more
John was very helpful in guiding me through the medicare choices. He explained everything thoroughly and answered all... my questions.read more
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.read more
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.read more
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.read more
John Claeys is the best! He has helped my husband and I tremendously with our Medicare and supplement coverage! He... breaks it down to where you can understand it! We would be so confused without John!! Thank you John for being there for us!!read more
John Claeys is one of the most knowledgeable individuals on Medicare and supplemental insurance plans you can ever... find. Not only is he very personable he also stays involved from year to year to ensure you have the best policies for your current needs.read more
I just got a Medicare plan through John Claeys. I was getting a lot of mail about Medicare and was so confused. Some... friends told me about John so I emailed him and he contacted me right away.. He was amazing! He went through everything with me, he explained every detail and was so patient with all my questions . So grateful to him for all he did. Thank you John.😁read more
John Claeys helped me understand the in's and out's of Medicare. He found the best insurance and prescription plan to... best suit my needs at an affordable price.Thank you John!Laurie Boriskieread more
My experience with John was definitely 5 Star! He explained everything thoroughly, and simply. He answered all my... questions regarding Medicare completely. I would absolutely recommend John, without reservation.read more
I had a 5 star experience and would recommend him. Always returning my calls promptly, very helpful and informative,... listened to what my needs was regarding my Medicare. I truly felt comfortable with John's help to navigate through the maze of Medicareread 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.
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!read more
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.read more
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.read more
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.read more
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.read more
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.read more
Highly professional with attention to detail. Felt like John was genuinely interested in matching my needs to the... various options.read more
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.read more
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! 🙂read more
John was very helpful in guiding me through the medicare choices. He explained everything thoroughly and answered all... my questions.read more
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.read more
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.read more
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.read more
John Claeys is the best! He has helped my husband and I tremendously with our Medicare and supplement coverage! He... breaks it down to where you can understand it! We would be so confused without John!! Thank you John for being there for us!!read more
John Claeys is one of the most knowledgeable individuals on Medicare and supplemental insurance plans you can ever... find. Not only is he very personable he also stays involved from year to year to ensure you have the best policies for your current needs.read more
I just got a Medicare plan through John Claeys. I was getting a lot of mail about Medicare and was so confused. Some... friends told me about John so I emailed him and he contacted me right away.. He was amazing! He went through everything with me, he explained every detail and was so patient with all my questions . So grateful to him for all he did. Thank you John.😁read more
John Claeys helped me understand the in's and out's of Medicare. He found the best insurance and prescription plan to... best suit my needs at an affordable price.Thank you John!Laurie Boriskieread more
My experience with John was definitely 5 Star! He explained everything thoroughly, and simply. He answered all my... questions regarding Medicare completely. I would absolutely recommend John, without reservation.read more
I had a 5 star experience and would recommend him. Always returning my calls promptly, very helpful and informative,... listened to what my needs was regarding my Medicare. I truly felt comfortable with John's help to navigate through the maze of Medicareread more
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