Disability Insurance Quote Forms
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Disability Insurance Information
There are many types of insurance policies available to protect your health, but not all of them are created equal. Most health insurance policies will not step in to assist with your income if your health declines, for example, or if you are rendered unable to work due to a disability.
At Aegis Financial Partners, LLC, we are determined to matching clients with the coverage they need to keep paying the bills even while they can’t work because of a disability.
What Does Disability Insurance Cover?
Overall, disability insurance covers injuries and illnesses you may sustain which prevent you from completing work at an expected level. If an injury or illness hinders you, this insurance can help supplement your income.
Disabilities do not necessarily refer to horrific accidents or severe body injuries, however. Common disabilities covered under this insurance include:
If you are unsure whether your disability qualifies for disability insurance, speak with one of our experienced agents. We can help you discover the right road to get you the care and assistance you need.
Another popular myth is that disability insurance is only for older generations. This is not the case. In fact, thousands of people in their 20s file for disability insurance each year due to various disabilities preventing them from earning a proper income.
What Does Disability Insurance Not Cover?
Keep in mind that disability insurance is different from health insurance. Disability insurance does not cover long-term care, physical therapy or other medical costs. You may receive benefits for a set amount of time or until a certain age. Some policies will stop once you reach 65 years of age and are most likely to need long-term care.
Aegis Financial Partners, LLC, will help provide you with a peace of mind by making sure you get assistance when you need it most. Call us at 480-565-6483 or fill out an online quote form to protect your future today.
Common Disability Insurance Questions
How Much Disability Insurance Do I Need?
The amount of disability insurance you need depends on your circumstances. Ideally, disability insurance should be able to cover 80%-90% of your previous income made before your disability made you unable to work.
How is Disability Insurance Calculated?
Disability insurance benefits are calculated based on your income. The cost of disability insurance depends on your limits, location, age and other factors.
How Does Disability Insurance Work?
When you purchase a disability insurance policy, you pay monthly premiums in exchange for income replacement compensation. This compensation should come in set increments to supplement your lost income.
When Should I Apply for Disability Insurance?
While most people believe disability insurance is only for those who are older, you should actually purchase disability insurance earlier in life. This guarantees that you won’t run out of time or suffer without supplemental income if an illness or injury suddenly strikes.