Call Us Today:
865.482.2222

Disability Insurance

Your Biggest Asset is You

Gray, Fox, Heatherly & Letner Insurance Group provides disability insurance to individuals in Oak Ridge, Knoxville, Maryville, Lenoir City, Clinton, LaFollette, and surrounding areas.

Disability Insurance

When it comes to protecting your assets, one of the most important things you can insure is not a material object like your car or home – it is your ability to work and earn a living. At Gray, Fox, Heatherly & Letner Insurance Group, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and cannot work, you will need to be protected in order to maintain your standard of living.

With disability income Insurance from Gray, Fox, Heatherly & Letner Insurance Group, you can continue to pay your bills and keep you and your family from going into serious debt. If you cannot work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you will want to ensure that you and your family have enough coverage. A representative at Gray, Fox, Heatherly & Letner Insurance Group will look at the individual factors in your life and work situation and help design the best policy that meets your personal insurance needs.

Our Locations

Gray, Fox, Heatherly & Letner Insurance Group

110 South Illinois Avenue, Suite 200
Oak Ridge, TN 37830
Main office: 865-482-2222
Fax: 865-482-2207

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Gray & Duncan Insurance Agency

20409 Alberta St. North Town Plaza
Oneida, TN 37841
Main office: 423-569-8629
Fax: 423-569-8444

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 12:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: 9:00 AM - 12:00 PM
Sun: Closed

Gray Insurance Agency Inc

1210 Jacksboro Pike
LaFollette, TN 37766
Main office: 423-562-3346
Toll free: 877-472-9467
Fax: 423-562-0845

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Todd Fox Insurance Agency

110 South Illinois Ave, Suite 100
Oak Ridge, TN 37830
Main office: 865-482-0513
Toll free: 877-472-9467
Fax: 865-481-2599

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers