Protection That Works When You Can’t
Those who have become sick or injured and unable to work can attest to the financial hardships that follow. Those who have benefited from Disability Insurance can’t imagine NOT having it in place.
Disability Insurance provides you with an income in the event a sickness or injury prevents you from working. You receive an income to help cover your daily expenses while you recuperate. Disability Insurance is generally available in two forms:
Employer-paid and/or government sponsored
These are usually provided at no cost to the recipient.
A private policy is paid for by the covered individual and provides income when no employer or government program is applicable. It can also provide additional coverage when Employer/Government sponsored programs fail to meet income needs.
Disability coverage is available in both short-term and long-term form. Short-Term Disability coverage provides benefits for a predetermined period of time (usually 13, 26 or 52 weeks). Long-Term Disability policies can provide benefits up to age 65 or at normal retirement age.
Your Alliance West Insurance, Inc. agent can help you choose the right disability policy. Protect your income and your financial health with disability insurance from Alliance West Insurance, Inc.