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Disability Insurance

Disability insurance coverage is an extraordinary benefit that any employed adult should seriously contemplate so as to protect him or herself and loved ones from the unexpected in life. This kind of insurance allocates policyholders replacement income should they find themselves disabled as a consequence of a medical issue. There are two kinds of forms that this insurance takes. The first is short-term with the second being long-term insurance. It is important to keep in mind the benefits of each in order to decide which is best suited for you and your loved ones.

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Good short term disability insurance coverage has up to a 14-day waiting period with the maximum period of coverage lasting two years. Short term policies can be very helpful if one experiences an injury, incapacitation or illness that is deemed minor or moderate in scope. This would include anything from pregnancies to a broken bone. Essentially anything that can heal or be resolved within a few months is attributable to that which is covered under a short term disability policy. This policy enables one to receive partial compensation for lost regular income during the time of disability, again for up to two years.

Long-term disability coverage has a 2 to 6 week waiting period and comes with a maximum benefit period of a few years up to the end of the policyholder’s life. Long-term disability insurance stands out as it covers all illnesses and injuries that can result in one being unable to work for the rest of his or her life. If you are stricken with a permanent disability, the long term disability coverage will give you the income necessary to survive while being out of work. Anything from a severe medical ailment to an injury that results in you being unable to return to employment is covered with long term disability.

In order to be competitive in attracting good workers, employers will often provide basic good disability coverage. To obtain the kind of disability coverage that best meets your needs, it is wise to always meet with an insurance professional who can illuminate you with the pertinent information about your specific insurance needs.

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