DISABILITY INCOME INSURANCE
If you get sick or injured and are unable to work, you don’t want to worry about how you are going to pay your bills month to month.
Disability income insurance can help replace a major portion of your income. Disability income insurance can help provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.
Your income is your most important asset and without it, you may not be able to maintain your way of life.
Disability Income Insurance is right for you if:
1. You can’t afford to be out of work for an extended period.
2. You live paycheck-to-paycheck, and any disruption in your income could be a challenge for your family.
3. You don’t have other sources of income available, such as employer-provided disability income insurance to fall back on or workers’ compensation.
SHORT-TERM DISABILITY
Immediate Coverage When You Need It
Short-term disability income insurance allows you to have immediate coverage that can fill the protection gap until your employer-based benefits kick in. Coverage is portable, meaning you own the policy so it’s not tied to your current job.
Short-term disability income insurance might be right for you if you want immediate coverage from the first day of your disability; you only need coverage until your employer-provided disability insurance would begin paying benefits; or you’re interested in protection that is portable, not tied to your job.
LONG-TERM DISABILITY
Long-Term Protection
Long-term disability income insurance is a comprehensive, flexible solution for people looking to add protection that can provide monthly benefits for a longer period of time.
Long-term disability income insurance might be right for you if you have resources that could cover your living expenses for the first few months of a disability; you want comprehensive, long-term benefits that would cover disability from an accident or sickness, or you are interested in protection that is portable throughout several years of your career.