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DISABILITY INSURANCE MADE SIMPLE

It’s no great secret – life is busy. And while this can mean that your days are chock full of fulfilling, invigorating experiences at work and fun family activities at home, it can also mean that important things can get pushed to the back burner. And while some things can sit back there for a good long time without becoming a problem, others cannot.

Disability insurance is one of those things that should not sit on the back burner for too long. We can never say when tragedy may strike. Once you need disability insurance, it is sadly often too late to get it, which can result in tons of money flowing out of pocket to help you stay afloat. If you have a family and serve as the primary breadwinner, it does not take much imagination to see why disability insurance can be such a lifesaver in bad situations.

Thankfully, getting a disability insurance online quote has never been easier. Our simple process will line you up with the best providers, making it simple, quick, and easy to compare, contrast and choose the best option for your situation.

One of the main reasons that people keep disability insurance on that back burner for so long is that they think that it is a complicated process to figure out. However, the good news is that disability insurance is very straightforward and easy to understand.

Here are the basics of how disability insurance works:

When you are injured, your medical insurance will help you pay for your medical bills, however what about your recovery time? Depending on the injury and the type of job you have, you may not be able to go back to work for weeks, months, or maybe even a year or more. That is where disability insurance comes in. Insurance companies agree to pay you a percentage of your salary should you be injured and become unable to go to work.

There are two different kinds of disability insurance – long-term disability insurance and short-term disability insurance. Their names are self-explanatory, but just so everything is clear, short-term disability insurance is for periods of up to a couple of months. Quite a few employers offer their employees this type of disability insurance. However, the general problem with this type of disability insurance is that most people can get along ok if they can’t make it to their job for a couple of weeks or a month. The real problem comes when you can’t go to work for an extended period.

Long-term disability insurance is designed to address this problem by providing (generally) up to 60% of your income for an extended period until you can return to work, which can make a world of difference should you face such an unfortunate circumstance.

By going through our online quote process, you will quickly be able to find the best disability insurance plan for you, giving you peace of mind for whatever life may throw at you.


1. FILL OUT THE FORM

We just need a few answers to uncover your best rate.

2. SEE YOUR RATES

Review multiple rates and see what policy fits you best.

3. REQUEST COVERAGE

Our experts are here make your application process smooth.

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