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Private Disability Insurance
Posted in: Conditions/Illness on October 10th, 2012

While programs like Social Security Disability Insurance are created to help those who cannot work due to a medical condition or illness, the fact is that these programs aren’t always reliable. That is to say, the chances at obtaining benefits can be difficult for many legitimately disabled people, and is even more difficult for those with a short term or temporary condition. However, there are some private disability benefit programs that might be worth looking into.

Prepare For The Worst

A recent survey showed that 8 out of 10 people believe that “a disability can happen to anyone at any time”; yet only 1 in 100 people actually carry a plan for such occurrences. Short-term or private disability insurance is just that, insurance. Like other types of insurance it is a plan for the worst of times. No one sets out to become ill, injured or disabled, but it happens. Anyone who is the sole provider of the family or has dependents is playing with fire if they do not have a disability insurance policy, especially if they lack an adequate savings to cover expenses until other matters can be resolved.

Disability insurance is more affordable than one might think. In fact, a healthy employee can often obtain coverage from their employer for less than $40 a month out of their paycheck.  Even if a group policy through an employer isn’t available, most companies that offer automobile or life insurance also carries them. In most cases, a policy would cost less than $100 a month out of pocket; a small price to pay for the assurance that your family is covered in the event of an unexpected disability.

 

 

 

 

 

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