Title: What Is Disability Insurance?
Headings: What Is Disability Insurance?
What Is Disability Insurance?
Risks Covered by Disability Insurance Policies
Disability Insurance Coverage Misconception
Why You Need an Individual Disability Insurance Plan
The Purpose of Disability Insurance
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Content: Although workers compensation benefits are available to most people, those benefits are only available if you are disabled because of a work-related injury or illness, and most disabling injuries and illnesses are not work related. According to findings by a leading disability research and consulting firm, 90 percent of disabilities are the result of illness. In addition to illnesses, your disability insurance policy covers you in the event of: A car accident leaving you temporarily or permanently disabled
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A weekend sports injury, causing paralysis or other disabling injury
Blindness due to disease or accident related injury
Any number of chronic or sudden illnesses, cancer, hepatitis, AIDS/HIV, MS, stroke, or the like, leaving someone unable to work. Disability insurance covers the illnesses or injuries that occur outside the workplace, and provide you with protection that workers compensation can’t. Of course, disability insurance policies will cover work place injuries as well, which means you get an all encompassing level of coverage when you purchase disability insurance. Why You Need an Individual Disability Insurance Plan
Most people do not consider purchasing an individual disability policy because they feel they can rely on disability insurance help from public or workplace safety net programs and social security. These programs are at best limited and far too often non-existent. For example, the Social Security Disability Insurance Program will cover you, but SSDI’s strict disability definition makes it difficult to qualify. Even for those who do qualify, the SSDI does not pay enough to maintain an adequate standard of living.