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Do I Really need Disability Insurance Coverage?

Many individuals struggle to understand disability policies cover a percentage of
what disability insurance covers. There your income based on your occupation, the
are two basic forms of disability hazard of your responsibilities, and your
insurance, short-term and long-term income. The elimination periods for
disability. Short-term as its name disability policies usually range from
implies is for a short period of time 30-365 days. If you become sick or
usually less than a year. Group disabled, exceed the elimination period,
short-term disability is more prevalent and become certified by a physician as
in the work place than long-term. One of unable to work, you may receive a tax
the failures that individuals make is free benefit except in rare cases (your
assuming that their policy covers 100% of employer pays for the policy). The policy
their income. The policy usually covers is coordinated with any group disability
up to 66 2/3%, it may be only be 50% for benefits you may be receiving as well as
13 weeks only. (Check your employee Social Security Disability Insurance if
handbook) Uncle Sam allows you to get the you qualify.Things to consider when
benefit tax free, but you cannot get more thinking about Disability Insurance:Can I
in benefit than your pre-tax salary. It get sick?Do accidents occur?Can I afford
is very important that people read their to self-fund?Can I live off my
employee benefits carefully.The two main savings?Does my coverage at work cover
definitions used to define if benefits short-term & long-term disability?Matt
under a disability insurance policy are McWilliams is one of the co-founders of
paid include own occupation and any HometownQuotes.Com, an online insurance
occupation. Own occupation disability quotes web site. He is originally from
means you are unable to perform the Pinebluff, NC and attended Middle
substantial duties of your current Tennessee State University. He is
position in a nutshell. Any occupation considered an expert in the field of
includes the duties of a job that you online insurance shopping and finding new
have been trained for through education, ways to help consumers save money on
training, or experience.Individual their insurance.




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