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Disability insurance in Florida is an insurance policy that you can get through a private insurance company to cover you in the event that you become unable to work. You do not need to be disabled to qualify for it.
At Martin Insurance Team, we help Ft Meyers, FL residents get covered for the sudden events in life that can lead to a loss of income. That is what disability protection can do for you.
Get answers to your frequently asked questions about disability insurance here.
What is Disability Insurance?
Disability insurance is income protection for you if you have to stop working for a little bit. If you have an injury or sickness where you have to take time off of work, you can file a claim on your disability insurance to collect a monthly amount of income replacement.
This gives you some financial security in the event of a crisis. You can use it for whatever you want such as your monthly bills and necessities.
How Does Disability Insurance Work?
Disability insurance provides a certain amount of monthly income, established when you purchase the policy, when you become ill or injured. When you become disabled and can no longer work, you will file a claim on your disability insurance.
The insurance company will send you a monthly check to serve as your income. The amount is typically 60 to 80 percent of your monthly income.
How to Qualify for Disability Insurance
You will qualify for disability insurance according to your age, gender, and overall health. If you don’t have a major illness already, or a preexisting condition, you may have a problem qualifying. Or, your premiums may be higher.
Women also typically file more claims on this policy than men, so premiums are higher for women. Age will also play a role as you are more likely to get sick when you are older, than at younger age brackets.
See if You Qualify
If you want income protection in the event that you become injured or ill, see if you qualify for disability insurance. At Martin Insurance Team, we help Ft Meyers, FL residents get covered for the protection they will qualify for. Call us for a quote today.
