More People Need Disability Insurance Than You Might Think
Disability Insurance protects your ability to earn a living by replacing a portion of your income if you are unable to work. According to the U.S. Social Security Administration (fact sheet 2013), nearly 1 out 4 employees will be disabled for 90 days or more at some point during their working years.
Here’s How General Disability Insurance Works
General disability insurance is triggered when you are unable to work in any field, and many group policies only pay if you are completely disabled, meaning you lack the physical capacity for any employment.
As a general rule, disability insurance covers working years only, with standard coverage to age 65. However, many carriers offer limited time periods to cover shorter time frames like 10 or 20 years as well as extended periods for coverage.
Did You Know About This Option?
Working professionals will generally seek disability insurance that covers their job duties ensuring that they can replace a portion of their income if they are unable to do their specific job. This is known as “Own Occupation” disability insurance and will often pay even if they can earn income in a different role.
You Shouldn’t Have to Find Disability Insurance on Your Own
The options for disability plans are confusing, and the stakes for you and your loved ones are too high to feel uncertain about your decisions.
We’ve spent the last decade advising thousands of people like you on their insurance options. We’re an independent broker, which means your priorities come first. We work for you, not the insurance companies.
We’ll help you:
- Understand Your Options
- Choose the Right Plan
- Get It Approved
Contact Us to schedule an appointment to discuss your options.
You and your loved ones deserve to feel confident about the future, and you can have the security of knowing you have the right protection in place.