Most of us don't give a 2nd thought to disability insurance. It is an extremely beneficial insurance to have when you are facing a medical issue. It is not an "accident only" policy like those that have become so popular of late. This will cover both illnesses and accidents. It does not cost you a penny to get a quote to discover the benefits that this coverage can provide you.
Disability insurance, just like all the other insurances, has many varied options. You can purchase a plan in a traditional manner, that will cover approximately 70% of the income you receive in your payroll. You can purchase a plan that has nothing to do with your income but pays a set amount of monthly benefits. My husband recently used his monthly benefit after having surgery for cancer. We were very grateful for those 8 months when they paid him the amount we opted for. I am so happy to report that he is doing well and working again so his benefits have stopped.
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