Disability Insurance IN HUNTINGTON BEACH, CA
We will discuss your current situation and put together a cost-effective package to best suit your needs.
What is Disability Income Insurance?
Disability Income Insurance is a form of insurance that insures the beneficiary's earned income against the risk that a disability will make working, and therefore earning money, impossible.
Who Needs Disability Income Insurance?
Are you prepared if you can't work due to a long-term disability? The average long-term disability lasts 2 1/2 years; do you have sufficient savings to cover that long a period away from work? If not, you need to make sure you have long-term disability insurance.
Group Disability Insurance
Group insurance is mandated by most states, but employers differ as to the type of coverage offered. Many employers offer income protection coverage in the form of sick leave. Most group disability plans are not guaranteed in any way, and can be terminated at any time the employer or the insurance company decides to stop offering it.
Individual Disability Insurance
Individual disability insurance offers multiple options for coverage, and a policy can be tailored to your needs. Furthermore, since individual disability insurance policies are paid with after tax dollars, you don’t pay taxes on the benefits you receive on an individual disability claim.