Disability insurance is there to help you in case anything prevents you from working—even if it’s just for a few months.
When it comes to the financial future of your family, you want to make sure that you do everything in your power to make sure that they will do fine if you are no longer able to work. This is where disability insurance may come in real handy, and save your family—especially if they are completely dependent on your source of income for their way of life. Disability insurance makes sure that you will receive at least a good portion of your paycheck if you have become disabled due to an injury that was sustained while you were at work. The good news is that you don’t need the insurance to cover an extended period of time, it can be short term as well! Short term is generally defined as unable to to work for 1-6 months.
There’s a state program that is funded through the employer that allows for an even shorter window, if you and the doctors know you will be back within three months. Because this timeframe is shorter, the price is significantly reduced from the 1-6 month disability insurance policy that was mentioned earlier.
We have a new program in which we partnered with Aflac to bring you coverage from anywhere between 1-6 months in which you will receive up to 80 percent of your paycheck while you are unable to work. If it turns out your injury is more severe than previously thought, we can get you a long-term policy as quickly as the very next day!
The best way to find a disability insurance policy that will best suit your needs is to work with the right insurance agent. Contact the professionals at Lou Aggetta Insurance Agency in Pleasant Hill, California. We will work with you to make sure you have the protection you deserve, all at the right price.