Disability Insurance Quote Forms
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Disability Insurance Information
What Is Disability Insurance?
Disability insurance can help replace a portion of your income if an accident or illness prevents you from working. It can provide essential financial protection that may help you cover your expenses.
The team at Insure-All Insurance Agency in Jacksonville, Florida, can work with you to find the coverage that best suits your future and current needs. Reach out to us today for more information.
Different Types of Disability Insurance
There are two main types of disability insurance:
- Short-term disability insurance—This may provide income replacement benefits for a relatively short period that you may be unable to work. Typically, short-term disability insurance has a waiting period of zero to 14 days and a maximum benefit period of two years.
- Long-term disability insurance—This may provide income replacement benefits for an extended period that you may be unable to work. Waiting periods typically range from several weeks to several months, while maximum benefit periods generally range from a few years to the rest of the insured’s life.
Contact our agents to discuss additional details regarding the coverage these two types of disability insurance provide.
How Does a Disability Insurance Policy Work?
A disability insurance policy is a contract with an insurer. Through this agreement, an insurance company commits to paying a defined benefit in accordance with the policy’s terms in exchange for a premium. Your insurance agent can help you through the claims process, and you may have to undergo a verification process to qualify for benefits.
Additionally, policies vary with regard to the following:
- Definition of disability
- Benefit amount
- Length of the benefit period
- Waiting period
Work with your agent to discuss terms, features and available endorsements (e.g., residual benefits/partial disabilities benefit rider or cost of living adjustment rider). We can help you secure a policy that best addresses your needs.
Why Do You Need Disability Insurance?
A short- or long-term disability can prevent you from working. These situations can have significant financial implications. It’s difficult to predict when or if an accident or illness will occur and how long they may last, but disability insurance can help you be prepared for these unfortunate circumstances.
In addition to lost income, disabilities can lead to other expenses (e.g., medical bills and home modifications). An adequate insurance policy can help you pay for these additional costs and lessen your out-of-pocket burden.
Get Coverage Today
Insure-All Insurance Agency is ready to help you secure coverage. Contact us to discuss disability insurance options and your other insurance needs.
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