Disability Insurance Plans 

Preserve Your Financial Future & Keep Your Greatest Asset Safe
 

Among all the insurance options available, disability insurance is one that is often overlooked, even though it may be one of the most important to consider. When you think about it, your greatest asset isn’t your home or investments, it's your ability to earn income, which supports your family and lifestyle. Protecting that asset is just as important as protecting any physical property you own.

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If you become permanently disabled, Social Security disability benefits may not provide the financial support you expect, and they often take longer to begin than most people realize. Additionally, if you face a temporary disability due to surgery or illness and need time off from work, you may not have enough savings to cover your bills and living expenses during that recovery period.

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What Does Disability Insurance Cover?

 

Pick the Best Types of Disability Insurance to Preserve Your Financial Future

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When it comes to disability insurance, you have two main options to consider: short-term disability insurance and long-term disability insurance. Each type is designed to cover different durations and types of disabilities, so it’s important to understand how each works in order to choose the right coverage for your needs.

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Short-Term Disability Insurance

If you are temporarily unable to work due to an illness or injury, short-term disability insurance can provide the financial support you need. Typically, this coverage lasts between 60 to 180 days, depending on your policy. It often replaces a significant portion of your income, potentially covering up to 80% of your salary, helping you maintain financial stability during your recovery.

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Long-Term Disability Insurance

In cases where you are unable to work for more than 180 days due to a disability or illness, long-term disability insurance may step in. These policies typically cover up to 60% of your income, but the coverage can extend for several years or, in some cases, for the rest of your life, depending on the specifics of your policy.

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Disability insurance serves as a critical safety net, bridging the gap between your income and your savings. When choosing a policy, consider your financial position, monthly expenses, and how much savings you have.

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Let us assist you in selecting the coverage that will offer you the peace of mind you need in case of an unexpected disability.

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Best Disability Insurance Agency

Keep your family safeguarded in times of injury or illness by securing a disability insurance policy. At The Eternity Insurance Agency, we’ve earned our outstanding reputation by offering exceptional financial planning and insurance protection to our valued clients. Our experienced team is well-versed in the nuances of all types of insurance, ensuring you get the best coverage available.

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We work with a variety of trusted insurance companies to bring you affordable disability insurance options tailored to your specific needs. Whether you’re looking for short-term or long-term disability coverage, our agents are here to help you find the best policy that fits your budget and provides the protection you need.

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Let us walk you through your disability insurance options and help you design a policy that offers the security your family deserves. Contact us at 601.371.9911 to discuss your needs and get started on the path to comprehensive coverage.