Disability is more financially disastrous than an accident. If you are disabled, you might not be able to work, resulting in no or less income. The living expenses increase, often for medical care. This is where disability insurance comes handy. This insurance can replace for your lost job. Now, some employers do offer a certain type of coverage under this insurance. There are two types of disability insurance: long term disability policies and long-term disability policies. Depending on the nature of your priority you can choose accordingly. Short Term Disability Insurance has benefits for maximum two years whereas Long Term Disability Insurance has benefits that can last for rest of your life.

Is Disability Insurance a must?

Well, the answer is a pure yes!  Disability can impact your life in more ways than you think it can. If you are suffering from some illness or alignment, then it can impact not only on your health but also your finances. Not only it can give financial trauma but can also disturb your lifestyle and family’s financial security. With so many medical bills for the treatment, hospital bills and health insuranceexcesses, you might not be able to work for a long period of time. Thus, your financial stability might suffer a setback. Fortunately, with disability insurance you can alleviate your financial strain, should something like this does occur.

Income Protection Insurance

If you are sick or wounded and cannot perform your duties within your own occupation, Income protection insurance offers a monthly payment in this event. An insurer cannot cancel the policy because this policy is guaranteed renewable. It includes extra benefits, giving you all the leverage for what you are paying. But, one should always be careful before considering a basic policy. It’s not about few more shells but about the benefits it provides. Secure Life Insurance offering Drug & Dental Insurance and Critical Insurance also.

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