It's impossible to predict when a disability may impede you from making a living. While it may seem like becoming disabled could leave you without any sources of income, there's a way to make sure that your needs will be provided for no matter what happens. Disability insurance can provide you with a sense of certainty in the face of the unknown.

Types of Disability Insurance

Short-term disability insurance covers disabilities that will only affect your ability to work for a short period of time. This type of disability insurance usually only lasts around 52 weeks, and short-term disability insurance covers issues like temporary injury, pregnancy, or surgery.

Long-term disability insurance protects you against disabilities that may have long-term effects. Some long-term disability plans can guarantee a portion of your income for years after you're no longer able to work. Long-term disability insurance helps protect you against potentially debilitating issues such as serious back injury, cancer, or neurological disease.

Why Is Disability Insurance Important?

When you are unable to work due to a disability, it can seem like there's no way out of a life of poverty. Being disabled is bad enough on its own, but many people that become disabled risk losing their homes and possessions due to their disabilities. Disability insurance provides you with the peace of mind of knowing that your needs will be covered. While disability insurance doesn't provide for your full income, it usually gives you enough to stay afloat even if you'll never be able to work again.

How to Get Disability Insurance

You can learn about your options when it comes to disability insurance by getting in touch with a general insurance agency or home insurance agency. In some cases, your employer will provide you with disability insurance, but you'll often need to purchase private coverage. A Della Porta Group agent can help you find the most affordable disability insurance plan that will cover all of your needs. Home insurance and flood insurance are also available. In the end, your health is your greatest financial asset, and the right insurance agency will be able to help you prepare for the future by finding you a plan that has your back.

For any questions you may have, don't hesitate to contact us at The Della Porta Group.