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Disability Insurance in South Carolina

Your ability to work and earn an income is one of your most valuable assets. Disability insurance provides financial protection if an illness or injury prevents you from working, ensuring that you can continue to cover essential expenses.


At Hutson-Etherredge Companies, we help individuals and business owners in South Carolina find customized disability insurance plans that provide income security when life takes an unexpected turn. Whether you need short-term disability, long-term disability, or coverage for self-employed professionals, we’re here to guide you through your options.

What Does Disability Insurance Cover? 

Disability insurance
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Short-Term Disability (STD)

Provides income replacement for a temporary inability to work due to illness, injury, or pregnancy complications.

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Long-Term Disability (LTD)

Covers extended periods of disability, typically kicking in after 3-6 months and lasting for years or until retirement.

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Own Occupation Coverage

Protects professionals (like doctors, lawyers, and contractors) by paying benefits if they can’t work in their specific occupation.

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Partial Disability Benefits

Provides partial income replacement if you can return to work but at a reduced capacity.

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Self-Employed & Business Owner Disability Insurance

Protects entrepreneurs and freelancers who rely on their ability to work for income.

Why Disability Insurance Matters

Protect Your Paycheck

Covers 60-70% of your income, ensuring you can pay bills if you’re unable to work.

Coverage Beyond Workers' Compensation

Unlike workers’ comp, disability insurance covers illnesses and injuries that happen outside of work.

Long-Term Financial Security

Prevents financial strain by helping cover mortgage payments, daily expenses, and future planning.

Common Questions About Disability Insurance in South Carolina

  • Who needs disability insurance?

    Anyone who relies on their income to pay bills and support their family should consider disability insurance, especially professionals, self-employed individuals, and business owners.

  • How long do disability insurance benefits last?

    Short-term policies typically last 3-12 months, while long-term disability benefits can last several years or until retirement, depending on the policy.

  • Does disability insurance cover pre-existing conditions?

    Some policies may exclude pre-existing conditions for a set period. We’ll help you find the best plan for your situation.

Get a Free Disability Insurance Quote

Your ability to work is your greatest financial asset. Ensure you’re protected with a customized disability insurance plan from Hutson-Etherredge Companies.



Call us today at  803-649-5141 or click below to request a free quote  online.