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With the typical cost of skilled nursing care now climbing above $80,000 per year, not having a plan can mean losing your life savings far too quickly.

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Disability Income Concepts specializes in:

Asset preservation for individuals at or nearing retirement age through… 

  • long-term care insurance and/or 
  • annuity planning; and

Employee benefit solutions for medium to large employers.

With more than 30 years of experience in the insurance industry, Doug Bragg and his team at Disability Income Concepts (DI Concepts) work personally with each client, helping both individuals and businesses make smart decisions about their insurance needs.


Two things describe Doug. The first is integrity.
He does not promise what he can’t deliver and is more interested in helping people than in making a dollar.
The second is product knowledge. Doug knows
his stuff.
— Mike Bauer, Risk Manager; Joyce Meyer Ministries