Long Term Disability Insurance Guidance

Protecting your income matters when an illness or injury keeps you from working for an extended period. Philadelphia Life and Health helps individuals and employers understand long term disability insurance, compare coverage options, and select benefits that support financial stability. Get clear, personalized guidance on benefit amounts, waiting periods, policy features, and how disability coverage can complement your broader benefits strategy.

Professional reviewing long term disability insurance options

Our Long Term Disability Insurance Services

Guidance for evaluating disability coverage, protecting income, and supporting employee benefits decisions.

Individual Disability Coverage

Review long term disability insurance options designed to help replace a portion of income if a covered illness or injury prevents you from working.

Employer Disability Benefits

Help your business evaluate long term disability benefits that support employees, strengthen a benefits package, and align with broader group coverage goals.

Policy Review Guidance

Understand benefit amounts, elimination periods, benefit durations, exclusions, and coordination with other income sources before selecting long term disability coverage.

Income Protection Guidance

Help Protect Your Income With Confidence

Long term disability insurance can help provide an income stream when a qualifying medical condition keeps you out of work beyond a policy’s waiting period. Philadelphia Life and Health offers independent guidance to help you weigh benefit levels, coverage duration, definitions of disability, and available plan structures. We make the details easier to understand so you can choose coverage that fits your financial responsibilities and benefits goals.

Advisor explaining disability insurance coverage
The Local Difference

Why Choose Philadelphia Life and Health?

Get attentive, independent insurance guidance built around your coverage needs.

Independent Advice

Compare multiple carrier options with guidance focused on your coverage priorities, not a single insurer.

Since 2002

Philadelphia Life and Health has provided personalized insurance guidance for businesses and individuals since 2002.

Local Support

Philadelphia-area clients receive responsive, high-touch support rather than impersonal call-center assistance throughout their coverage journey.

National Licensing

Licensed in all 50 states, our team can support coverage conversations beyond Pennsylvania when needs expand.

Meet Our Benefits Team

Independent advisors providing attentive, year-round coverage guidance.

Portrait of Adam Peltzman, team member at Philadelphia Life and Health

Adam Peltzman

Adam Peltzman is a valued member of the Philadelphia Life and Health team, contributing to the firm's mission of delivering independent, high-touch employee benefits guidance to businesses and individuals across the greater Philadelphia region. As part of a locally owned and independently operated agency, Adam works closely with clients to help simplify the complexities of health insurance, group benefits, and ongoing plan administration. He is committed to providing personalized service that goes beyond open enrollment, supporting clients with plan selection, enrollment assistance, and year-round account management. Adam's dedication to client advocacy reflects the company's core values of independent expertise and dedicated local service, ensuring that every business and family he works with receives thoughtful, reliable support.

Portrait of Barbara Bonini, team member at Philadelphia Life and Health

Barbara Bonini

Barbara Bonini is part of the dedicated team at Philadelphia Life and Health, an independent employee benefits and insurance advisory firm serving the greater Philadelphia region since 2002. Barbara supports the company's mission of helping small and mid-sized businesses, individuals, and families find affordable, quality health and life insurance solutions. Working within a locally owned agency, she helps clients navigate benefits administration, enrollment, and renewal strategy with a personal touch that larger call-center brokers cannot match. Barbara's focus on client advocacy and cost management aligns with the firm's commitment to being more than a broker, but a long-term partner. She takes pride in delivering attentive, year-round service to the businesses and families she assists throughout Pennsylvania.

Portrait of Noah Glassman, Senior Partner at Philadelphia Life and Health

Noah Glassman

Senior Partner

Noah Glassman is a Senior Partner at Philadelphia Life and Health, bringing extensive experience to the firm's employee benefits and insurance advisory practice. Since entering the insurance industry in 2007, Noah has held roles at major organizations including AIG, Cigna, and Independence Blue Cross, giving him a well-rounded understanding of carrier operations, plan design, and claims processes. He specializes in building deep, lasting relationships with small businesses and local clients throughout the greater Philadelphia region, helping them navigate group health insurance, benefits administration, and compliance with confidence. Noah's carrier background allows him to provide objective, informed guidance across multiple plan options, ensuring clients receive coverage tailored to their needs. His commitment to personalized, long-term partnership reflects the company's core values of independent expertise and dedicated local service.

Portrait of Jenielle Powell, team member at Philadelphia Life and Health

Jenielle Powell

Jenielle Powell is a member of the Philadelphia Life and Health team, contributing to the firm's ongoing mission of delivering personalized employee benefits and insurance guidance to businesses and individuals throughout the greater Philadelphia region and Pennsylvania. She supports the company's client-focused service model, which includes plan selection, employee enrollment assistance, and claims advocacy for small and mid-sized businesses with 2 to 200 employees. Jenielle helps clients navigate the often complex world of health insurance and benefits administration, ensuring they receive clear, accessible guidance throughout the year, not just during open enrollment. Her role supports the firm's broader commitment to reducing administrative burden for clients through comprehensive benefits, HR, and compliance support delivered with a local, hands-on approach.

Portrait of Diane Donatelli, team member at Philadelphia Life and Health

Diane Donatelli

Diane Donatelli is part of the experienced team at Philadelphia Life and Health, a locally owned employee benefits and insurance advisory firm serving the greater Philadelphia region since 2002. Diane assists clients with navigating health insurance, group benefits, and ongoing plan support, helping businesses and families find coverage that balances quality and affordability. As part of a firm licensed in all 50 states, she helps extend the company's reach while maintaining the local, personal service that sets it apart from larger, impersonal brokers. Diane's work reflects the company's dedication to employee advocacy and cost management, ensuring clients receive attentive support with plan selection, enrollment, and renewal strategy long after the initial sign-up process is complete.

Portrait of Peachy Colleluori, team member at Philadelphia Life and Health

Peachy Colleluori

Peachy Colleluori is a member of the Philadelphia Life and Health team, helping deliver the firm's high-touch approach to employee benefits and insurance advisory services throughout Philadelphia and East Norriton, Pennsylvania. Peachy supports clients ranging from small businesses to individuals and families seeking health and life insurance solutions, working within the company's model of year-round, hands-on service. Her contributions help clients manage benefits administration, HR support, and enrollment processes with the ease and clarity that larger institutions often lack. Peachy's commitment to responsive, local service reflects the firm's core values of personalized service and ongoing support, helping ensure that every client feels confident in the coverage and guidance they receive.

Portrait of Jonathan Pedone, team member at Philadelphia Life and Health

Jonathan Pedone

Jonathan Pedone is part of the dedicated team at Philadelphia Life and Health, an independent employee benefits and insurance advisory firm serving businesses and individuals across the greater Philadelphia region. Jonathan helps clients navigate group health insurance, Medicare options, and individual and family coverage, supporting the company's mission of finding sustainable, affordable solutions for every client. He contributes to the firm's comprehensive service model, which includes benefits administration, compliance support, and renewal strategy designed to control costs over time. Jonathan's work reflects the company's commitment to being more than a broker, serving as a long-term partner to the businesses and families he supports throughout Pennsylvania and beyond.

Portrait of Laura Wick, team member at Philadelphia Life and Health

Laura Wick

Laura Wick is a valued team member at Philadelphia Life and Health, supporting the firm's mission to provide independent, personalized employee benefits guidance to businesses and individuals in the greater Philadelphia region. Laura assists clients with health insurance enrollment, group benefits administration, and ongoing support throughout the plan year, helping ensure a smooth experience from initial selection through renewal. Her work supports the company's broader goal of reducing administrative burden for small and mid-sized businesses by combining benefits, HR, and payroll support under one roof. Laura's attentive, client-first approach reflects the firm's core values of dedicated local service and employee advocacy, helping clients feel supported well beyond open enrollment season.

Portrait of Zachary Ritz, team member at Philadelphia Life and Health

Zachary Ritz

Zachary Ritz is part of the Philadelphia Life and Health team, contributing to the firm's independent employee benefits and insurance advisory services for businesses and individuals throughout Pennsylvania and the greater Philadelphia region. Zachary helps clients explore group health plans, ICHRA options, and individual coverage, supporting the company's goal of delivering objective guidance across multiple carriers. He plays a role in the firm's comprehensive approach to benefits administration, helping businesses manage compliance, enrollment, and renewal strategy with confidence. Zachary's commitment to responsive, local service reflects the company's values of independent expertise and ongoing year-round support, ensuring clients receive the attention and guidance they need at every stage of their coverage.

Frequently Asked Questions

What is the role of the insurance agent?

An insurance agent helps you identify coverage needs, explains policy terms, compares available plan options, and assists with the application and enrollment process. For long term disability insurance, an agent can clarify benefit amounts, waiting periods, benefit duration, exclusions, and definitions of disability. They can also help coordinate disability coverage with employer benefits and other income-protection planning.

How much is disability insurance in the US?

What does long term disability insurance cover?

How long is the waiting period for long term disability insurance?

How much income does long term disability insurance replace?

Can I get long term disability insurance through my employer?

What factors should I compare in a long term disability policy?

When should I apply for long term disability insurance?

Questions About Income Protection Coverage?

Speak with our team for clear, personalized disability insurance guidance.

Trusted Guidance

Awards and Recognition

Licensed in all 50 states trust badge

Licensed All 50 States

Broad licensing supports clients across the country.

Independent insurance advisory badge

Independent Advisory Firm

Objective guidance across available carrier options.

Serving since 2002 recognition badge

Serving Since 2002

Decades of client-focused insurance guidance.

Start Planning Your Income Protection

Share your coverage questions and goals. Our team will help you understand long term disability insurance options and next steps.

Contact Us Today

For immediate assistance, feel free to give us a direct call at (844) 758-7879. You can also send us a quick email at group@philalifeandhealth.com.