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Millions of people across the United States suffer from disabilities. Disabilities can adversely affect your health, your ability to work, and your quality of life. Learn how to use disability insurance to protect your income during a time in which a disability makes it hard for you to make ends meet the usual way.


What Is Disability Insurance?

Disability insurance is a type of insurance that guarantees to pay a portion of your income while you are unable to work due to a non-work-related disability. The two types of disability insurance that are available are short-term disability insurance and long-term disability insurance. Short-term disability insurance guarantees your income while you are incapacitated for a short period. Disabilities covered by this type of insurance include surgery, injury, and pregnancy.

Long-term disability insurance guarantees your income when you are incapacitated by a disability that will impact your ability to work for an extended period of time. While policies vary, long-term disability insurance covers serious issues like back injuries, cancer, and diabetes.


What Are the Benefits of Disability Insurance?

Many people are tempted to shrug off the potential of becoming injured or seriously ill. Young people are especially prone to thinking that disaster will never strike. But the truth is that a disabling injury or illness can occur to anyone, and most people are grossly underprepared for such an eventuality.

Disability insurance provides you with a guarantee that you'll be able to provide for yourself and your family no matter what happens. Depending on the type of disability insurance plan you take out, up to 70% of your income can be covered by this type of policy.


How Do You Get Disability Insurance?

You can get set up with disability insurance by contacting your home insurance agency or a general insurance agency. Your agent at the Della Porta Group in Jacksonville will be able to talk you through all of the benefits of disability insurance and help you pick out a plan that's right for you.

The agency also provides home insurance and flood insurance. In most cases, you'll be able to get set up with coverage that will start protecting you within a matter of weeks. Protecting your income with disability insurance helps you prepare for anything the future may bring.

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