DISABILITY & LONG TERM CARE
Think of your disability insurance as a financial safety net.
Disability Insurance, also called Disability Income Insurance, is a financial safety net designed to provide income protection if you become unable to work due to illness or injury. It typically replaces a portion of your lost income, allowing you to cover essential living expenses such as housing, medical bills, and daily needs during your recovery.
COVERAGE THAT MATTERS
Protect your family from the burden of unexpected caregiving costs with long-term care insurance.
Long-term Care Insurance (LTC) is designed to cover the costs of extended care services that are not typically included in standard health insurance or Medicare. This type of insurance helps pay for assistance with daily activities such as bathing, dressing, and meal preparation, whether the care is received at home, in assisted living facilities, or nursing homes. As we age, the likelihood of needing assistance with daily activites increases, making LTC insurance a crucial consideration for many families.
Long-term care insurance allows you to protect your family from the burden of unexpected caregiving costs. Instead, they can focus on what truly matters: spending quality time with loved ones rather than worrying about how to fund care. This coverage empowers you to choose the care that best fits your needs, allowing you to live with confidence and security as you age. By investing in LTC insurance, you can help protect your assets and ensure access to quality care when you need it most, providing peace of mind for both you and your family.
LD&B offers Traditional LTC policies as well as Life/LTC hybrids.
There is one day each year dedicated entirely to thanking the clients and communities we are proud to serve: Customer Appreciation Day. It is a tradition that gives us the opportunity to step away from our desks, welcome clients into our space, and simply say thank you.
Health Rosetta presented 88 Rosie Awards at RosettaFest 2026. Five went to organizations connected to the Employers Health Risk Consortium right here in the Shenandoah Valley.
The Collins Center has spent more than three decades building services that are compassionate, responsive, and centered around the people they serve.
After a devastating house fire while away from home, the Johnsons turned to LD&B for support navigating loss, insurance, and rebuilding.
As one of the few nonprofit veterinary hospitals in the country, Anicira approaches care through a community-focused lens.
At Generations Crossing, something special happens every day. Children and adults come together in a shared space where connection, learning, and joy naturally unfold.
At LD&B Insurance & Financial Services, giving back to our community is more than an initiative. It is part of who we are and how we show up every day for the places we call home.
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