Let’s talk about precious disability…

If you rely on your paycheck for your household income, then you should consider purchasing disability insurance. Disability insurance can help protect your household. If you’re disabled and can’t work due to sickness or injury, disability insurance will cover your expenses. Disability insurance offers coverage that can provide money to help pay rent, car loans, mortgage, or other monthly expenses.

Disability insurance does not just cover random accidents.

These medical conditions could qualify you for disability insurance, it covers some physical injuries, a heart attack, or even cancer.

Did you know just over 1 in 4 of today’s 20-year-olds will become disabled before they hit the age of retirement?

There are two main types of disability insurance. The first being Short-term coverage and the other being Long-term coverage.

There is a short waiting period after you become disabled and before your benefits are paid. Usually, short-term disability replaces 60%- 70% of your base salary. The payout is between a few months to one year, depending on that individual’s policy.

The typical waiting period is 90 days after you become disabled and before the benefits are paid. Usually, long-term disability insurance replaces 40%- 60% of your base salary. The individuals benefit ends when the liability ends. If the disability continues, the benefits will end after a certain number of years or at that individual’s retirement age.

How Can We Help You?