Protecting Yourself With Disability Insurance

According to the Health Insurance Association of America, by the time you turn 35 you have 50% chance of missing as many as 3 months of work before you retire. And while some of us might not mind a little break from work, there's one nagging question most of us can't look past: how are we going to pay for that break?

The truth is, most of us can't afford to be out of work for three months or longer. But an injury that could prevent you from working can strike anytime, no matter what your job is.

Disability insurance makes sure you don't run out of money while you're missing work.

Why Disability Insurance Is A Smart Investment

A lot of people go without disability insurance. Some of them figure that they'll never need it, so they take a risky gamble. Others think that if they do get disabled, someone else will take of them — like the government, for example. Unfortunately, they're probably wrong.

• In theory, Social Security will give you benefits if you become disabled. But nearly 50% of Social Security claims are denied. And Even if you claim is accepted, you may have to wait up to 6 months to begin collecting benefits.
• Workers Compensation insurance will help protect your income in the event of disability. But it only applies if you were injured on the job.

Fortunately, a disability policy won't cost you a fortune. For a small investment in insurance premiums, your savings will be protected if an injury ever keeps from working.

No one can predict the future. But that doesn't mean we can't prepare for the unexpected. Having disability insurance means never having to worry that an accident will leave you bankrupt.

To learn more about getting a disability policy, talk to a professional insurance agent. Use our free health quote service to get matched with agents licensed in your area. They'll help you compare plans and choose the policy that's the best fit for you.