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Why You Need Disability Insurance
Posted in: Disability Lawyer on November 19th, 2014

disabilityAccidents happen, in the workplace and outside of it, and sometimes those mishaps can have major consequences. If you are unable to work and make money because of an injury, you need to have injury insurance. Many companies provide disability insurance and will cover employees for any injuries sustained on the job. This is especially important for high risk jobs, like construction or law enforcement. What happens, though, if you are injured outside of the workplace?

Fortunately, there are state plans to protect you from danger, and in many cases, your employers will pay for these state plans, as well. Before counting yourself as safe, do some research into your specific situation. There are usually options to buy extra coverage, and extra disability insurance is often worth the cost.

According to some experts, you should have enough disability insurance to cover 60-75 percent of your income. That way, if you are out of work for an extended period of time, you will be able to live at close to your normal lifestyle and budget. Many employers offer their employees disability insurance that may cover just up to 60 percent of their income, but rarely any more. The extra 15 percent can be easily purchased, however, during open enrollment. Open enrollment is the period of every year in which Americans can change their Medicare or other insurance plans. For 2015, open enrollment will be from November 2014 to February 2015.

However, before making any permanent changes to your plan, make sure you can afford it. If your current income comfortably takes care of all your bills, you might consider buying more insurance. If you are struggling month to month, however, you may need to hold steady until your finances take a turn for the better.

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