For anyone who wants to protect their income flow from a non-work related injury or illness, disability insurance is a necessity. Whether it’s a short-term or long-term disability policy, coverage can help you meet mortgage/rent payments and the cost of daily necessities should an injury or catastrophic illness prevent you from earning money.
Some employers offer this coverage on their employee benefits menu, but it can also be purchased by individuals through one of our professionals. Costs are based on the features you choose, such as waiting periods, the amount of your benefit, and the length of time benefits will be paid.
Short-term disability insurance is a good protection for income lost due to broken limbs and surgeries requiring downtime. Long-term coverage is meant for extended or permanent disabilities. They are often used in combination for maximum protection.