Imagine this: You’re injured, sick, or recovering from surgery and can’t work for weeks — or even months. Your bills don’t stop, but your paycheck does. That’s where disability insurance steps in.
Disability insurance replaces a portion of your income if you’re unable to work due to a non-work-related injury or illness. It’s one of the most overlooked but essential types of coverage — especially for working professionals, entrepreneurs, and families who rely on a steady income.
What Is Disability Insurance?
Disability insurance pays a portion of your income if a medical condition prevents you from working. There are two main types:
Short-Term Disability
1. Covers temporary conditions like injury, illness, or childbirth recovery
2. Benefits usually last 3 to 6 months
3. Often has a waiting period of 1–14 days before benefits begin
Long-Term Disability
1. Covers more serious or long-lasting conditions
2. Benefits can last 2 years, 5 years, or until retirement age
3. Waiting period is typically 30 to 90 days
💡 Many people choose to have both types — short-term for immediate needs, and long-term for major life events or chronic illness.
Your ability to earn a living is one of your most valuable assets — and disability insurance protects that. Whether you’re a full-time employee, self-employed, or a caregiver with a side hustle, having coverage in place means peace of mind during unexpected health challenges.
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