Disability Insurance

You get hurt and can't work. Now what? Are your monthly bills and expenses covered? Disability insurance could be the answer.

What It Covers

Here's how disability insurance works. Simply put, it provides you with up to 60% of your regular income if you can't work because you're ill or injured. You can use that money to pay your bills or hire help to do things that you can't because you're hurt. Things like the yard work or cleaning up around the house.

Missing a couple paychecks can put stress on your budget. Let alone going for months. You can pick policies that cover you for 6 months, 12 months, or 24 months.

Why It's a Good Idea

It's always best to be prepared, and disability insurance can help in a lot of ways:

• It can supplement your employer's disability insurance.
• You can be sure that illness or injury won't put your family in a financial crisis.
• You can continue coverage even if you change jobs. (The policy isn't tied to your employer.)
• You can choose a monthly benefit amount that matches your family's lifestyle.

Factors to Consider

Is disability insurance right for you? Ask yourself these questions:

• How much of an emergency fund do you have?
• Does your family depend on your income to cover the monthly bills?