Disability Insurance Quote Forms
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Disability Insurance Information
YOUR BIGGEST ASSET IS YOU
When it comes to protecting your assets, one of the most important things you can insure is 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 cannot work, you may need financial protection to maintain your standard of living.
How Disability Insurance Works?
If you cannot work due to injury or other illness, a disability insurance policy helps pay a portion of your income, usually between 50 and 70 percent. Disability income insurance from Dorsey & Associates LLC can help pay your everyday bills.
Disability insurance benefits can be used for any reason, including to help cover out-of-pocket medical expenses, make mortgage payments, pay for groceries, or cover childcare expenses.
There are two main types of disability insurance:
- Short-term disability (STD) is designed to help replace your income for a limited time (typically three to six months) and may have a waiting period of just ten days.
- Long-term disability (LTD) is designed to help replace your income for a longer period of time and can provide permanent financial support, depending on the policy. It may have a waiting period of three to six months.
What Does Disability Insurance Cover?
Disability coverage varies greatly depending on the policy’s rules. The nature of the disabling accident may determine the amount you are reimbursed. Like life insurance, disability is purchased for a time period, such as a two- or five-year term, and benefits are only paid if you become disabled during the policy’s term.
Choosing the right disability coverage is important. In the event you become disabled, you will want to ensure that you and your family have enough coverage. At Dorsey & Associates, LLC, we look at the individual factors in your life and work situation to help design a disability policy to help meet your personal insurance needs.
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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