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: Despite the risk, many people do not have an adequate individual disability policy to protect them if they lose their primary income due to a disability. Underestimating your real risk of disability can be financially devastating! Disability insurance policies are worth the investment! Disability Insurance Coverage Misconception
A disability insurance policy covers a range of disabilities or injuries. When most people think of disability insurance, their minds immediately go to work injuries and workers compensation. 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.