Life can be unpredictable. Disability insurance provides a financial safety net if an illness or injury prevents you from working and earning an income. For individuals and families in Charlotte, this coverage ensures financial stability during challenging times.
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What Is Disability Insurance?
Disability insurance replaces a portion of your income if you can’t work due to a covered medical condition. It helps pay for everyday expenses—like rent, groceries, and bills—while you recover.
Types of Disability Insurance:
Short-Term Disability: Covers temporary conditions, typically lasting a few weeks to several months.
Long-Term Disability: Provides benefits for more serious or long-lasting disabilities, sometimes until retirement age.
Why It’s Important in Charlotte
Unexpected injuries or illnesses can happen to anyone. Whether you work in healthcare, education, construction, or an office setting, disability insurance ensures you can maintain your lifestyle and meet financial obligations while you’re unable to work.
How Much Coverage Do You Need?
Most plans replace 50–70% of your regular income. Factors like your job type, health, and employer benefits can affect the coverage amount and premium.
Bottom Line
Disability insurance is about more than protection—it’s about peace of mind. Having coverage means knowing you’ll have financial support if you’re unable to work due to unforeseen circumstances.
Contact Tillman Insurance Advisors to explore disability insurance options.
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