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When you’re the provider for your family, work is the most important way to do it. From your mortgage payments to your children’s college fund, a regular paycheck keeps everything in order. If you were unable to work due to an illness or injury, then your steady stream of income could become unreliable.
What is Disability Insurance, and who is it for?
To keep your mind at ease while you work each day, Disability Insurance can act as a second shield in case of any disruption in your earnings. Many people believe that their place of employment would cover them in the event of an injury or illness, but that isn’t always the case. Most businesses do not cover their employees over an extended period of time. Another common misconception is that government assistance would come into play, but that coverage may only be a very small portion of your earnings if any at all.
While you may suffer an illness that could last a couple of weeks, unexpected injuries or a chronic, long-term illness could theoretically keep you out of work indefinitely. For folks who are living from paycheck to paycheck or have limited savings, Disability Insurance can supplement a portion of your income while you recover. Based on the type of work and the weight of your income, having security is everything, and insurance can be tailored to fit your needs.
Types of Disability Insurance
Disability Insurance comes in two forms: Short Term Disability and Long Term Disability Insurance. Short Term coverage can take care of you anywhere from about three to six months. Long Term coverage will keep you covered for six months or more, even up to age 65, based on your specific goals. These insurance types will become activated after a specified period of time when an injury or illness becomes classified as a disability before payouts can begin.
To find the right amount of disability coverage for you and your family, you’ll need an insurance agent with experience. To get your free Disability Insurance quote, fill out our form here. Don’t waste another minute, when you have options to keep you covered.