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If you were unable to work for an extended period of time due to an injury or illness, how long would you be able to pay your bills and meet your day-to-day expenses? Do you know how much income you would receive from outside sources -- and for how long?
An often overlooked asset people do not protect is their paycheck. Sure you might have Disability Insurance through work, but these group plans often come up short on what you would actually need for you and your family to survive should you become disabled.
Just like life insurance, disability insurance is protection for your future income. However, the likelihood of you becoming disabled is much higher then death. You are 6.5 times more likely to become disabled then the chance of death and 1 out of every 3 people between the ages of 30 to 64 will become disabled.
The first place to look at for coverage is with your employer. If you have some, see if it is enough and if not, see if you can purchase additional coverage. If it is not enough, consider purchasing a private policy in order to fill the income gap or any benefit restrictions. Private policies are more expensive, but they do have some nice advantages:
The bottom line: If you depend on your income to pay the bills, you should have Disability Insurance
We can find discounts on disability insurance you may not find on your own. Give us a call, or get a disability insurance quote online today.
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