Disability Insurance Quote Forms
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Disability Insurance Information
When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. At Dorsey & Associates LLC, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.
With disability income Insurance from Dorsey & Associates LLC, you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.
Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.
Choosing the right disability coverage is important. In the event you become disabled, you'll want to ensure that you and your family have enough coverage. A representative at Dorsey & Associates LLC will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.
What Is Disability Insurance?
Accidents happen no matter how prepared or careful you are. If you were to be in an accident severe enough to keep you from working, you need a way to pay your bills. Disability insurance is designed to help replace a portion of your income due to an accident or illness. At Dorsey & Associates Insurance, we help you determine which coverage options are most suitable for your future and current needs.
Are There Different Types of Disability Insurance?
There are two main types of disability insurance available to you; these options include:
Short-term disability helps provide income replacement benefits for a short period of time spent away from work. These policies have a waiting period of zero to 14 days with a maximum benefit period of no longer than two years.
Long-term disability helps provide income replacement benefits for a long period of time spent away from work. These policies have a waiting period of several weeks to several months, with a maximum benefit period ranging from a few years to the rest of your life.
Understanding your needs and the coverages that coincide with them is essential. Dorsey & Associates Insurance can work with you to determine the best policy for you.
Is Disability Insurance Required?
Disability insurance is not required. However, according to the Social Security Administration, more than 25% of people in their 20s will become disabled before retiring. It’s hard to predict if an accident or illness will come out of nowhere and prevent you from working. A majority of disabilities are caused by the following:
- Heart attack
- Back pain
Disabilities can also lead to additional expenses such as medical bills and potential home modifications. These costs can add up on top of your everyday bills. If you’re uninsured, you may have little to no way of paying for these additional costs alongside your regular accounts, especially without your regular income.
Start Coverage Today
At Dorsey & Associates Insurance, we want to provide quality insurance solutions and are committed to finding you a policy that fits your needs. Reach out to an agent to discuss disability insurance options or get started today.
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