Title: The Importance of Disability Insurance
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Content: A disability can occur at any time. If the disability is severe enough, it will prevent the person from being able to work and provide for their family. Food, mortgage payments, and other monthly bills cannot be paid without a steady income. Personal disability insurance provides monthly income to keep the household afloat. Disability insurance is a necessary extra expense. Government Disability Insurance Coverage
Every state in the union provides some form of disability coverage in the event of an unforeseen illness or accident. This coverage does not automatically kick in, however. A person must apply for disability insurance coverage from their state after the illness or accident has occurred, and there is no guarantee that the person will be approved to receive coverage. The other disadvantage to relying on state disability insurance coverage is that the amount received monthly is only a percentage of a person’s normal paycheck. The same holds true for Social Security disability insurance.