Life is unpredictable, and an illness or injury can disrupt your ability to earn a living. Disability insurance provides a crucial financial safety net, ensuring that if you’re unable to work due to a medical condition, you can still receive income to cover essential expenses.

How Disability Insurance Works

Disability insurance replaces a portion of your income when you’re unable to work due to illness or injury. This benefit helps cover everyday living expenses such as:
✅ Mortgage or rent payments
✅ Utility bills and household expenses
✅ Medical costs and ongoing treatments
✅ Childcare and education expenses
✅ Daily necessities like groceries and transportation

Types of Disability Insurance

There are two primary types of disability insurance, each designed to meet different needs:

🔹 Short-Term Disability Insurance

Provides coverage for a limited period, typically 3 to 6 months.
Ideal for temporary medical conditions such as surgeries, pregnancy complications, or minor injuries.
Benefits typically begin within a few weeks of the disabling event.
🔹 Long-Term Disability Insurance

Covers extended periods, ranging from several years to retirement age.
Protects against serious medical conditions such as cancer, chronic illness, or severe injuries.
Benefits often begin after a waiting period (usually 90 days or more) and continue for as long as the disability persists within the policy terms.
Choosing the Right Disability Coverage

Disability insurance policies vary in terms of:
✅ Coverage Amount – The percentage of income replaced (typically 50–70%).
✅ Waiting Period – The time before benefits begin (ranging from weeks to months).
✅ Policy Terms – Some policies cover only specific disabilities, while others offer broader protection.

Whether you’re a self-employed professional, an employee with financial obligations, or a business owner protecting your income, having disability insurance is an essential part of a strong financial plan.

Protect Your Future Today

Don’t wait until an injury or illness disrupts your financial security. Let’s find the right disability insurance policy that fits your needs and budget.

👉 Contact us today for a free consultation and secure your financial future!