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Disability Insurance - When You're Not Able to Work |
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Much attention is given to insuring financial security while under a physician's direct care (health insurance) or after your death (life insurance). Neither of these coverage types, however, provide financial support in the event you're disabled and cannot work for an extended period of time.
Disability
Disability is the result of an accident or illness that leaves you unable to do your job for three months or longer. During this time with no or reduced income, your ongoing medical and living expenses can quickly eat through your savings.
Disability Insurance
When you're unable to work, income from your job stops.
Disability Insurance replaces a portion of your income while you're not able to work at your job. The amount of benefit received depends on the coverage provided by your policy.
The need for such coverage can arise at any time, regardless of age, type of work, gender, etc., and generally arises after a serious accident or other medical emergency.
"But I Already Get Disability Coverage at Work..."
Don't be lulled into a false sense of security. Group disability insurance offered by employers commonly has numerous loopholes and qualifiers. They generally cover up 60% of your regular income but have many restrictions that reduce that number, including the fact that any benefits received are taxable!
If you presently have group coverage at work, Supplemental Disability Insurance can close the loopholes and significantly increase your take home earnings in the event you're not able to do your job.
At Insure Your Future, We Can Help
The experts at Insure Your Future can provide a professional analysis to identify how to best protect you and your family in the event you can't work.
Whether you have group coveragee at an employer or no disability insurance whatsoever, we can recommend affordable, cost-effective options from the nation's premier disability insurance companies to protect your income should you ever become unable to perform your job.
Request a free Disability Insurance quote online today or give us a call at 877.467.6763 to discuss options.
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Chicago Office
801 N. Milwaukee Ave.
Libertyville, Illinois 60048
877.467.6763 (Map) |
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Detroit Office
39668 Rockcrest Ln.
Northville Twp., Michigan 48168
734.404.5488 (Map) |
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Maryland / D.C. Office
10533 Prairie Landing Terrace
North Potomac, Maryland 20878
301.294.0641 (Map) |
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