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Disability Insurance

What is disability insurance?

Disability policies pay you a monthly benefit, for every month you are certified as unable to work by a doctor, due to injury or illness.

Have you ever thought about what you would do for income if you become unable to work? Many people suffer from injuries or illnesses that cause them to go on short-term, or long-term, medical leave. If this happens, are you and your family prepared for that loss of income? How will the bills get paid?

Things to consider with disability insurance:

Disability Insurance Details

There are two main types of disability policies: short-term and long-term.

Short-term disability insurance provides income replacement for a set period of time, usually three to six months. Long-term disability insurance pays benefits for an extended period of time, usually until you reach retirement age. While the specifics of each policy vary, most will replace between 50 and 70 percent of your pre-disability income.
Most people don’t realize that they are more likely to become disabled during their working years than they are to die. In fact, 1 in 4 20-year-olds will become disabled before they retire.

There are many different ways to purchase disability insurance. You can buy it as an individual policy, or you may be able to get it through
your employer. If you are self-employed, you can deduct the cost of your premiums on your taxes.

No one likes to think about becoming disabled, but it’s important to have the financial protection in place in case it happens. Disability insurance can give you peace of mind and help you maintain your standard of living if you ever find yourself unable to work.

Help with Disability Insurance

We can help you make informed decisions on your disability coverage as well as assist you in determining which carrier will provide the lowest rates for the coverage you need. Call us today or click on the button below to get started – and remember, consultations are always free.

Disability Insurance

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