Disability Insurance: Safeguarding Your Income and Financial Future
Disability insurance is often overlooked but plays a critical role in protecting individuals and their families from financial hardship in the event of illness or injury. This article will explain what disability insurance covers, including partial and total disability benefits, as well as rehabilitation and survivor benefits. It will also discuss the different types of disability insurance policies available, such as short-term and long-term disability insurance, and considerations for choosing the right policy based on occupation, income level, and personal circumstances. Practical advice for assessing coverage needs and navigating the claims process will also be provided to help readers make informed decisions about disability insurance.
