Disability Insurance

A Risk You May or May Not Want to Take

Life happens – and it could result in an unplanned disability.

Disability Insurance protects working individuals against lost income, which in turn, protects the family against having to go without life necessities during a limited time of hardship. Short – term disability covers a part of your salary for disabilities caused by injury or illness. Pregnancy also qualifies in most short – term disability policies.

Usually after four to six months, when short – term disability insurance drops off, long – term disability kicks in. Long – term disability averages ¬†just over 34 weeks in duration and is typically around 60% of a person’s salary. Short and Long – term disability will help preserve savings and cover expenses that will cause financial hardships when an individual becomes disablesd.

Accidental death and dismemberment policies are also available.