Disability Insurance

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Income protection for when you're unable to work


If injury or illness prevents you from working for a prolonged period, what will you do for income? Eligibility for Social Security payments is limited, and only those who are injured or become ill on the job qualify for workers' compensation. Disability insurance may be your only reliable source of income to help you and your family through a difficult time.

According to the U.S. Social Security Administration, 25 percent of the nation's working adults will experience disability before retirement. And because around 95 percent of disabilities originate outside off work, few who suffer disability are eligible for workers' compensation. As a result, disability is among the leading cause of home foreclosures, as well as other economic hardships.

Do you have enough savings to be out of work for three months or longer?

Mortgage or rent, car payments, college tuition, credit card bills, everyday expenses — those don't go away when your paycheck stops arriving. If you're among the vast majority of the disabled who don't qualify for workers' compensation, what do you do?

The Council for Disability Awareness has designed an informative infographic illustrating causes and rates of disability (including a breakdown of claims by gender), public perceptions and impact on savings. To view a downloadable pdf of the infographic, click on the image below.


Rates for Disability Insurance vary depending on age, health and income but generally range from 1 percent to 3 percent of the beneficiary's annual salary. It's a cost-effective investment to protect against a long-term loss of income.

We'll work with you to provide coverage that meets your needs.

Disability insurance is a sound investment, but purchasing a policy can be complicated. Sylvia Group offers an array of products, terms, rates and limits, and we specialize in working with clients to provide customized coverage at an affordable price, making the process as painless as possible. We'll do most of the work; you'll come away with the peace of mind that comes from knowing your income and lifestyle are secure.

To speak or meet with a Sylvia Group agent, contact Rosemarie Lopes at (508) 742-9230 or rlopes@sylviagroup.com.


  • “When I needed assistance with my business insurance program, Jill White immediately responded – and, even more important, she listened. She understood the challenges I had with my former agent, and she and the Sylvia Group team designed a program specific to my restaurant’s needs. I’m confident that with Jill’s expertise and personal attention, Fay’s is in good hands. That gives me the peace of mind to focus on what my family and I do best: serve delicious food and provide great customer service while running a successful business.”

    – Evelyn Bettencourt, Owner, Fay's Restaurant and Knotty Pine Fine New England Catering

  • “Thanks to John Beauregard and the professionals at Sylvia Group, our MassMEDIC membership has paid immediate dividends. Through the BIO Business Solutions® program, Primo Medical received a significant premium reduction on our Professional Liability policy. In addition, utilizing Chubb as our insurance provider and Sylvia Group as our broker, we’re confident that we have business partners who truly understand our insurance needs, provide outstanding loss control services and continue to work with us to lower our total cost of risk.”

    – Christopher LaPlante, Chief Financial Officer, Primo Medical Group

  • “I love your staff. Since we moved over to Sylvia Group for our insurance what is it, maybe three or four weeks? I have had more communication and attention from them than I had for the what, seven or eight years? with my former agency! You have a great team.”

    – Pat Cassan, Ocean Explorium

  • “You have to have somebody like Judy Besse working with you. She’s very detail-oriented and patient. I’d be lost in a quagmire of laws, rules, regulations… I want somebody on my team as I have with Judy.”

    - Paula Gendreau, Business Manager, Greater New Bedford Regional Voc-Tech High School

  • “I want to thank you for this incredible resource (ThinkHR). We will be accessing it frequently and appreciate Sylvia Group making this available to Advanced Eye Centers.”

    Paul C. Abrantes, Executive Director, Advanced Eye Centers

  • “I so appreciate Julie Jennings' help with Medicare planning. It is a relief to be able to consult with a knowledgeable professional on insurance issues. I have no idea how people do this without such help.”

    – Chris Black, Personal Insurance client

  • "Working with Judy Besse can be pretty interesting because she sets the bar so high. And because she’s putting the customer first, she’s willing to put choices on the table that a lot of brokers just aren’t going to consider because they don’t want to take the haircut."

    – Ed Belt, CEO, Primarily Care, Inc.

  • “Working with Sylvia Group over recent years has taken our insurance issues from 'groans and moans' to 'no problem.' Rose Lopes, our Account Manager, is one of the most responsive people I have ever worked with. She responds immediately to questions or special requests. It is such a pleasure to work with Rose, who does whatever it takes to find a solution to our needs. We are very pleased… She always has our interests in mind.”

    – Lynne Foley, Director of Human Resources, Five Star Companies, Inc.

  • “Judy Besse and Sylvia Group do a wonderful job. Judy’s skills, knowledge of the (benefits) industry and manner of presenting complicated things in an easy-to-understand fashion are unparalleled.”

    - Tom Riley, M.P.A., Executive Director, Better Community Living

  • “We wanted to enhance our employee benefits offering, but we didn’t have the time or expertise to explore the myriad of options. Judy Besse consulted with us and provided detailed information that made a complex choice easy, enabling us to maximize our ROI. And she managed the entire process right through to implementation – including employee communication, enrollment and carrier accountability.”

    – Tom Donaruma, Director of HR, Brahmin Leather Works

  • "Sylvia Group is by far the best insurance agency I have ever dealt with, both personally and in my business. They provide customer support that is not found in other agencies. For example, they take a personal interest in their clients, calls are always taken or returned immediately, and during reviews suggestions are made to offer the most cost effective and comprehensive coverage. When claims occur, they have always been there to facilitate the process. It has truly been a pleasure to have them represent me in my insurance needs."

    - William N. Whelan, Chairman, Whelan Associates LLC