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If you became sick or hurt and couldn’t work, how would you pay your bills? How would you maintain your living standard? If you’re like most people, your ability to get up each day and earn an income is one of your most valuable assets. Furthermore, your chances of becoming disabled at some time during your working career are probably higher than you would expect. Disability insurance can replace a portion of your income when you are unable to work because of injury or illness. There are two major types of disability coverage: Short-Term Disability and Long Term Disability. Short term disability provides an income for the early part of a disability. A policy may pay benefits for two weeks up to two years. Short-term disability is often included as part of an employee benefits package. Long term disability helps replace income for an extended period of time, usually ending after five years or when the disabled person turns 65.

Prepare for your future and protect your loved ones. If you were suddenly unable to work due to an accident what would you do? If you are healthy, currently not disabled, make $18,000 per year or more, you may qualify for disability insurance. To Request a Free Quote and Insiders Guide to Disability Insurance Click Here.

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