Disability Insurance

Get Help When You Can't Work With Disability Insurance

Disability insurance is a type of insurance coverage that provides financial protection in the event that you are unable to work due to an injury or illness. This type of coverage can help you cover your living expenses and medical bills if you are unable to work.

Individual Disability Insurance

Individual disability insurance can be ideal for anyone who doesn’t receive disability insurance through work.

Group Disability Insurance

You can sign up for employer-sponsored coverage at work. Most employers that offer disability insurance pay some or all the cost of premiums.

Short Term Disability Insurance

Short term disability insurance pays you a portion of your income immediately after an accident or serious illness prevents you from working.

Disability insurance provides peace of mind.

There are many reasons why you should get disability insurance. One of the most important is that it can help protect your income if you become disabled and are unable to work.

You can purchase private disability insurance on your own through an insurance company.

Disability Insurance helps replace up to 60% of your paycheck and most plans will pay until age 65 if you can no longer work.

Government disability programs, such as Social Security Disability Insurance (SSDI), can also provide financial assistance if you are unable to work due to a disability. However, these programs have strict eligibility requirements and may not cover all of your living expenses.

If you are unable to work due to a disability, it is important to have some type of financial protection in place. 

Another reason to consider getting disability insurance is that it can provide some financial security for your family. If you’re the primary breadwinner in your household, your family could be left in a difficult situation if you become disabled and are unable to work. Disability insurance can help ease the financial burden on your loved ones.

There’s no one-size-fits-all answer to whether or not you should get disability insurance. It’s important to evaluate your own situation and needs to decide if it’s right for you. However, if you have a family or rely on your income to cover your living expenses, disability insurance can be a valuable safety net.

If you are considering purchasing disability insurance, be sure to shop around and compare rates. It is important to find the policy that best suits your needs. Call us today at SSTX Financial to get started.

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