Disability Insurance
Protect Your Most Valuable Asset - Your Income
Your ability to earn an income is your most valuable asset. Disability Insurance protects that income if you become unable to work due to illness or injury.
The Facts About Disability
- 1 in 3 workers will become disabled before age 65
- Average disability lasts nearly 3 years
- Most disabilities are caused by illness, not accidents
Types of Disability Coverage
- Short-Term Disability - Coverage for temporary disabilities
- Long-Term Disability - Extended income replacement
- Critical Illness - Lump sum for serious illness
- Return of Premium - Get premiums back if no claim
Key Features to Consider
- Definition of disability (own occupation vs. any occupation)
- Benefit amount and waiting period
- Benefit period (how long benefits are paid)
- Cost of living adjustments
- Return of premium options
Contact Barrons to protect your income.