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Disability Insurance
Most people understand the need for health insurance and life insurance. But what if the unexpected situation happened and you suddenly weren’t able to perform your normal living activities because of illness or injury?
Being disabled for a short or long term will not only cause you to have the stress of meeting your everyday living expenses, but you might have to put other goals, like saving for retirement, on hold.
WHAT IS DISABILITY INSURANCE?
Disability insurance is a product designed to provide income to pay the expense of life even though you can't work due to a disability.
Disability happens very often to more people than what you may think. Most disabilities are caused by illness than injury, including common conditions like heart disease and arthritis.
Some employers will offer short and long-term disability benefits to their employees. A short-term policy helps you immediately after an incident, and a long-term policy helps provide financial protection for disabilities that can last for years.
It is important to have additional coverage on top of the benefits you get at work to help provide extra financial protection.