U.S. Disability insurance

During life the unexpected can happen, which is why it is important to be prepared. You could be an automobile accident or have a heart attack. These are things we don’t like to think about. However disability insurance for individuals is available and can be used to replace your income in the event that you cannot work. Many people see it as a way to pay the mortgage if the breadwinner of the family cannot work. Physician disability insurance rates may not be as expensive as you think and will cover the cost of seeing a doctor.

In order to offer the security you need, disability coverage is recommended by insurance professionals and health care administers.

You can obtain a disability insurance quote to better get a feel of how much it will cost. Earning an income is important to maintaining your lifestyle. Without an income you won’t be able to pay for food, a car, and your home. Short term and long term disability coverage are essential for protecting your lifestyle. It is never too early to start thinking about short term disability and long term disability coverage.

Individual Short Term Disability Insurance

This type of policy will pay benefits according for the benefit period that you selected if you cannot work as a result of an illness or accident. Benefit periods typically run from three months to 24 months.

Long term Disability Insurance

This type of coverage is an excellent option if you have the money to cover a few months in the event that you become disabled. This policy will offer comprehensive coverage if you are hurt in an accident or are ill. There are also many options that will allow you to customize your plan. The coverage can protect you up to the age of 67 if you select such a plan. This plan will pay you benefits each month if you cannot work as the result of an accident or illness. When selecting a plan you can choose the benefit period and the elimination period.