Disability Insurance

When You are Injured at Home

Most people are familiar with Workers' Compensation, the idea that if you are injured on the job, your employer's insurance kicks in to help you maintain a steady income while you recover.

But most accidents don't happen at work.

How can you protect your income and your savings if you are injured off the job? Without any insurance to cover you in the event of injury, you're going to be relying on your personal savings to get you through a disabling accident. If you're like most Americans, you might be able to get by for a month or two on savings, but then what? You've not only exhausted your options, you've lost your hard earned savings too.

Contact Your Health Insurance Shop today. We can introduce you to affordable options in Disability Insurance that you may not have considered.

Short Term and Long Term Insurance

Disability Insurance provides the security you need in the event of chronic serious illness.

Short Term Disability Insurance provides income that can start after a 0 to 14 day elimination period has been met and will pay as a pre-determined benefit period.

Long Term Disability Insurance provides the security you need in the event of a chronic serious illness or a disabling injury. If you are unable to return to work, long term coverage may provide up to 70% of your income for a stated benefit period.

Finding the Right Disability Insurance for You

What defines a disability? How much cash do you need to replace your monthly income? What if you can't return to your own job but can handle other employment?

Each insurance policy handles these matters differently, and determining which solutions are best for you is not easy.

At Your Health Insurance Shop, we can assist you in determining if Disability Insurance is right for you and what policy might be best for your situation. Contact us today to learn more.

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