According to the Council for Disability Awareness, 3 in 10 people entering the workforce today will become disabled before retiring. Also, 1 in 7 people can expect to be disabled for five years or more before retirement. Statistics like that should make short-term disability insurance a vital piece of your overall financial plan.


Short duration disabilities are more common than long term disabilities and can be very costly to employers both in lost productivity and actual expenses, especially if you currently have a salary continuance plan for short-term absences. Short Term Disability insurance mitigates that expense by replacing a portion of your income that is lost due to a covered physical disease, injury, pregnancy or mental disorder and is a great way to supplement your current sick leave or statutory disability benefits plan while minimizing your own out-of-pocket expense.
Short term disability coverage typically starts after a brief waiting period of a few days to as many as two weeks and can then provide coverage to replace lost income for up to 26 weeks. Morris & Reynolds Insurance offers Short Term Disability Insurance through employers and also directly to individuals from the world’s leading disability insurers. We would be happy to help structure coverage that best meets your unique needs.


One in three Americans will have a disability that will prevent them from working for 90 days or longer. One in seven can expect to be disabled five years or more. Financial hardships caused by the loss of income resulting from disability can be staggering to employees and their families, as well as to the health of your business.
Long Term Disability Insurance replaces a portion of your income during an extended period of a disabling illness or accident. By providing a steady stream of income while you are unable to work, Long Term Disability Insurance can help you meet your financial obligations. Morris & Reynolds Insurance offers Long Term Disability Insurance through employers and also directly to individuals from the world’s leading disability insurers. We would be happy to help structure coverage that best meets your unique needs.


  • Ancillary (Voluntary/Employee Paid) Benefits
  • Annuities
  • Benchmarking
  • Benefits Administration
  • Brokerage
  • Cancer & Critical Illness
  • Commercial / Business Insurance
  • Communications
  • Compliance Consulting
  • Consulting
  • Dental Insurance
  • Employee Assistance Plans (EAP)
  • Health & Welfare Plans (Group)
  • Health / Medical Insurance
  • Healthcare Reform
  • Hospital Indemnity
  • Individual Health
  • Life Insurance
  • Long Term Care
  • Long Term Disability Insurance
  • Medicare Supplements
  • Payroll Deduction Auto & Home Insurance
  • Personal Insurance (Home, Auto, Umbrella)
  • Pharmacy Consulting
  • Plan Design
  • Plan Management
  • Pre-Paid Legal Plans
  • Provider Network Evaluation
  • Retiree Health Care
  • Retirement Plans (401k’s)
  • Short Term Disability Insurance
  • Vision Insurance
  • Wellness & Productivity


As an independent agency, not some insurance company, we offer choices from all of the leading insurers and act as your advocate and navigator through the complex world of insurance.

Morris & Reynolds represents and has access to the entire market of leading insurers. Many of our relationships with major insurers span decades and often find us in a leadership position as an advisor or agent Board member. We also offer immediate access to America’s Health Insurance Exchange, along with the professional advice and guidance needed to navigate the many insurer options in addition to providing the day to day service you need in the years to come that we’ve been known for since 1950.


Insurance rates are filed with and regulated by the State Department of Insurance. Whether you buy from Morris & Reynolds, some on line or toll free business you’ll never see, or even directly from an insurance company, you’ll pay the same premium for the coverage you purchase. This means that you can enjoy the advantages and convenience of shopping and purchasing your insurance from Morris & Reynolds’ professional people, as well as have our live, local, service available whenever you need it and rest assured that you’re getting the best available price.


Your coverage and budget goals are our sole focus. The coverage and costs that we quote, in fact all we do, is focused on you and your family. We are known as aggressive negotiators who have our clients’ best interest at heart. Always.

We also enjoy serving our clients in the most transparent manner possible and are happy to discuss and disclose our compensation and answer your questions about that important topic with you. Morris & Reynolds is a truly independent insurance agency and has been since 1950. Our focus is never on stockholders, stock prices or an insurance company preference, but our clients’ goals, dreams and desires. Always.


Let’s face it, insurance can be time consuming and frustrating. Dealing with medical providers, claims paperwork and insurers is often an experience filled with ‘red tape’, delays and frustration. Whether you or your family members have a question about your coverage, a provider, a bill or a claim we are here to help every step of the way. Our Client Advocates are here at Morris & Reynolds everyday focused on assisting you and your family with provider and claim concerns as well as the never ending ‘red tape’ involved with America’s medical ‘system’.


Your satisfaction with the insurance that we provide to you and your family is very important to us. At Morris & Reynolds Insurance we take your peace of mind to heart in all we do from the coverage that we structure, the insurers we suggest and the day to day service and care we provide to you. When you need us most, we will always be there.


At Morris & Reynolds Insurance our clients’ receive the best of both worlds. We are well known for our ‘old fashioned’, reliable and responsive service that dates to the founding of our agency in 1950.

Our Client Service Underwriters, Client Advocates and Professional Agents are deeply committed to their profession and career-long learning. Our award winning TEAM of professional people, the finest people in employee benefits and insurance, is unique to Morris & Reynolds Insurance. In order to offer our clients the very finest results possible we constantly seek improvement by way of training, performance measurement and process reviews.

Our corporate office is an approved and certified testing site for the prestigious Insurance Institute of America and their curriculum is part of our ongoing TEAM educational efforts. Morris & Reynolds Insurance is proud of the awards that TEAM members have received from a variety of industry associations and insurers, including the Florida Agent of the Year, The National Agent of the Year and The Customer Service Representative of the Year Honors to name a few.

Dental Insurance
Disability Insurance
Health Insurance
Health Care Reform
Long Term Care
Life Insurance
Medicare Supplements

Trusted Insurance

"Savings & Service Has Been Our Policy Since 1950"
14821 South Dixie Highway, Miami, Florida 33176
P 305.238.1000 | F 305.255.9643

Independent agent