Personalized Disability Insurance Coverage Guidance

Protect your income with disability insurance guidance from Philadelphia Life and Health. Our independent advisors help individuals, families, and employers understand coverage options, compare policy features, and choose protection that supports financial stability if illness or injury limits your ability to work. Get clear answers, attentive support, and a coverage strategy built around your needs.

Advisor discussing disability insurance coverage with a client

Our Disability Insurance Services

Practical guidance for evaluating income protection, workplace benefits, enrollment, and ongoing disability coverage needs.

Individual Coverage Guidance

Review disability insurance options designed to help replace a portion of income when a qualifying illness or injury prevents you from working.

Employer Benefit Coordination

Help employers evaluate how disability coverage can fit alongside health benefits, payroll, and broader employee benefits strategies for their workforce.

Enrollment and Support

Receive clear assistance with coverage questions, enrollment considerations, policy documents, and ongoing support as your employment or family needs change.

Income Protection Guidance

Help Safeguard Your Income

A disability can affect more than your health—it can interrupt the paycheck that supports everyday expenses, savings goals, and the people who depend on you. Philadelphia Life and Health provides independent guidance to help you weigh coverage features, benefit periods, waiting periods, and affordability. We make complex insurance language easier to understand so you can make a more confident decision about protecting your income.

Client reviewing income protection insurance options
The Independent Difference

Why Choose Philadelphia Life and Health?

Independent guidance and attentive support for decisions that affect your financial security.

Independent Advice

Objective guidance across available plan options helps keep your coverage decision focused on your priorities.

Year-Round Support

Receive assistance beyond enrollment when questions, life changes, or policy needs arise.

Local Service

Philadelphia-area offices provide responsive, personal support rather than a distant call-center experience.

National Licensing

Licensed in all 50 states, the firm can support clients with multistate coverage considerations.

Meet Our Advisory Team

Independent advisors focused on clear, personal insurance 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 disability insurance?

Disability insurance is designed to provide a financial benefit when a covered illness or injury keeps you from working and you meet the policy’s eligibility requirements. Rather than replacing your entire paycheck, many policies pay a portion of pre-disability income for a defined period. Exact benefits, exclusions, waiting periods, and definitions of disability vary by policy, so reviewing the details carefully is essential.

What is the difference between short-term and long-term disability insurance?

How much disability insurance coverage do I need?

Does disability insurance cover injuries and illnesses?

Can I get disability insurance through my employer?

How long is the waiting period before disability benefits begin?

Are disability insurance benefits taxable?

When should I review my disability insurance coverage?

Still Have Disability Coverage Questions?

Speak with an advisor for clear, personalized guidance on your options.

Trusted Insurance Guidance

Awards and Recognition

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Licensed Nationwide

Licensed to serve clients in all 50 states.

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Independent Advisory Firm

Objective guidance across coverage and carrier options.

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Established Since 2002

Over two decades of client-focused insurance support.

Start a Conversation About Income Protection

Share a few details about your needs, and our team will help you understand the disability insurance options worth considering.

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.