Disability Insurance:
Disability
Insurance is more important than life insurance. Do
consider disability insurance carefully as most of
the people overlook in unawareness. There may be three-time
possibility of getting disabled than die prematurely.
Studies show that a 20-year-old worker has a 3 in
10 chance of becoming disabled before reaching retirement
age.
At ABC
of Insurance, we understand the necessity of disability
insurance for the working and non-working people in
USA. Disability coverage replaces a portion of your
income when you can’t work because of injury
or illness. There are various kinds of disability
insurance available in the market in USA.
At
ABC of Insurance, we have
highly experienced counselor who can guide you properly
on disability coverage to mitigate life’s risks.
There are very affordable ways to protect specific
assets like your home or car from death or disability
events. Our skilled professionals can save you money
while helping you find the right insurance products
to address your unique needs.
Generally
there are two types of disability insurance available
i.e.
Long-term disability insurance.
Short-term
disability insurance.
Long-term
Disability:
This policy covers up to a maximum time
if the policyholder got disabled. Disability coverage
will be continued till the period of disability. It
becomes your income source during the disability period.
Short-term
Disability:
This disability coverage is for a specific
period. The income protection starts from the date
of disability to the period mentioned in your policy
or according to the insurance company’s terms
and conditions. Usually this policy covers in the
initial periods of disability (before long-term disability
plans begin).
We
follow a five-step disability condition before providing
an easy coverage solution.
These are:
• Are you working?
• Is your medical condition “severe”?
• Is your medical condition on the List of Impairments?
• Can you do the work you did before?
• Can you do any other type of work?
Please contact
us for getting more information on disability
insurance contract, costs, waiting period, and rate
of a disability insurance policy.
Apply for a free disability
insurance quotation.
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