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CastIt's important to keep a budget and try to save money where you can. At the same time, it's important to ensure you have enough of the right insurance. With that in mind, let's talk about a commonly overlooked and misunderstood form of coverage: disability insurance.

What Is Disability Insurance?

If you become disabled, you might not be able to earn the money you do now. That means you may not be able to pay your mortgage, car payments and more. Disability insurance helps replace that lost income.

What Is A Disability?

The answer to that question varies among insurance providers. Some insurance plans say a disability means that you are unable to perform the duties of any job and others say that you are unable to do the usual duties of your current occupation. That's a big difference to discuss with your independent insurance agent. The better plans use the definition of your current occupation.

For example: If you are a teacher and due to an accident or illness you lose your hearing, it would be difficult to continue teaching. You could, but it would be difficult. The first definition means you should get a job doing something else, while the second definition recognizes that you can no longer teach.

What Are The Types Of Disability Insurance?

There are two types: Short-term and long-term. Short-term disability insurance usually has a maximum benefit of two years and long-term policies usually last the rest of your life or until age 65. So, the short-term helps you while you are retraining or looking for another job. The long-term replaces that income for a longer period of time.

Should You Purchase Disability Insurance?

Now that you know what it is, ask yourself this question: If you couldn't work for the next three years because of a disability, would you need financial help? If the answer is yes, then it's time to talk with an insurance agent about disability insurance.

Learn more today. Call Dave Millet Insurance Agency at (985) 331-9077 for more information on Laplace disability insurance.
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