Three months off work due to an injury or accident? Now what? If you are hurt and unable to work for an extended period, your paycheck might stop coming, but your bills won’t.
What is Disability Insurance?
Disability income insurance provides you a monthly income if an injury or illness prevents you from working. You can customize your coverage by selecting a specific type of policy, the amount of your monthly benefit (up to a limit) and the length of time you’ll be paid the monthly benefit.
Why Do I Need Disability Insurance?
If your employer offers a group disability plan, you may think you have enough coverage. But, did you know that most employer plans only pay a portion of your salary (typically 60 percent or less), and are subject to income tax. Employer plans typically end when you leave the company. Buying supplemental disability insurance helps close those gaps and provide benefits no matter where you work.
Who Is Covered
No matter your profession, you can benefit from having some level of disability insurance to supplement your earnings if you are unable to work for an extended period. It’s not just for people in physical or high-risk professions; anyone who earns a paycheck can benefit from this coverage.
With you every step of the way -- I can help ensure your disability income insurance complements your other insurance coverage, such as health insurance, life insurance for you and your family, home insurance, car insurance, and business insurance.
It's your future. Let's protect it.®
Long-Term Care & Disability Income insurance policies are underwritten by a variety of insurance companies that are not affiliated with our companies. See your Farm Bureau agent for more information about these products.