Home » Disability » Disability – Are You Really Covered

Disability – Are You Really Covered

If you are like most people, you probably don’t give much thought to

disability insurance, especially if you are young and healthy. You may also

think that you have whatever coverage you may need, between your health

insurance plan and your company benefits for disability. Although disability

is one of the most important policies you can carry, many people either think

they are already covered, or don’t really think about it much at all.


The Coverage You May Have

Many companies offer some disability coverage as a part of their employee

benefits package. You probably do have some coverage available to you, but

the odds are very good it’s simply not enough. Most employee benefits

packages offer a limited amount of disability coverage, usually a percentage

of your salary for a short period of time. In many cases there is no longterm

coverage at all.


If you aren’t even aware of what kind of disability coverage you currently

have, you need to take the time to find out. Ask your HR department for a

copy of the policy and get acquainted with the limits of the policy and what

coverage you actually have. Seeing it written out often makes it immediately

clear that in the case of a serious disability, you simply don’t have enough



Getting The Right Coverage

You can’t count on your health insurance or your company provided benefits

to give you enough to live on in the case of a serious disability. You may not

think it will ever happen to you; still, we are all at risk. An accident, an

unexpected illness; none of us is free from the possibility. And if it does

happen to you, the benefits you currently have are unlikely to provide you

with everything you need to pay your bills and get back on your feet.

It’s up to you to protect yourself and your family with a comprehensive

disability policy that will ensure that an illness or injury doesn’t become a

financial disaster. Your insurance agent can help you to understand your

options and choose policies that will work with your budget while filling in the

gaps left by the coverage you now have.


Choosing the right disability insurance will give you the peace of mind of

knowing that the unexpected won’t leave you devastated and that you will

still be able to provide for your family, keep your home, and take the time to


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