Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Disability Insurance

How much disability insurance do I need?

Many experts recommend that you should choose disability coverage that can replace 60-80% of your after tax income, although this is an individual’s decision.

To estimate how much disability insurance you will need, consider how much money you would need to cover your monthly living expenses.  Consider how your work, medical, education, and personal expenses would be affected by a disability.

Why choose Baygroup Insurance?

Baygroup Insurance has over 40 years of combined experience in the Long-Term Care insurance (LTCi), life, disability, and health insurance markets.  Baygroup Insurance is a brokerage, which means they offer a selection of top insurance carriers to choose from.  They have sold over xxx LTCi policies.

Our Disability Products

WhatI IF your last paycheck was your last paycheck?

Are you protected if an illness or injury were to sideline you from earning an income for three months or more?

Disability Insurance

What is Disability Insurance?

Disability insurance is protection for you and your family.  Owning a disability insurance policy will help provide you and your family with a source of income should illness or injury prevent you from working for a period of time.

Baygroup Insurance

Baygroup Insurance is an independent insurance brokerage. We provide clients with Long-Term Care, home health care, life, disability, Medicare supplement and health insurance policies from highly-rated companies.

Melissa Barnickel, CPA, CLTC

We have over forty collective years of experience as Long Term Care insurance specialists.

Insurance Products

Baygroup Insurance offers policies for Long-Term Care insurance, Life insurance, Disability insurance, and Health insurance.

Long-Term Care insuranceDisability insuranceLife insuranceHealth insurance


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