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Just like health insurance, disability insurance is one policy you buy, hoping never to use it. But because life is full of surprises, you can’t take chances by assuming all will be well. Instead, invest in disability insurance from Martin Insurance Team located in Ft Myers, FL. This way, you will have made a huge step in protecting your future financial plan.
What is disability insurance?
Before going far, let’s get the basics out of the way. What is disability insurance? This insurance policy covers your income if you can’t continue to work because of factors like illness or injury. You may think that disability insurance is just for freak accidents, but it also covers things like personal injuries, cancer, and heart attack — things that you may not link with disabilities.
Who needs disability insurance?
Some states require employers to purchase disability insurance, but Florida isn’t one of them. However, this doesn’t mean you should risk going on without disability insurance. It would be best if you had this insurance plan to supplement your income when you cannot work.
You may think that your emergency fund is enough, but this can only sustain you for a few months. If your disability persists for more than one year, disability insurance gives you part of your income to cover your expenses and long-term care.
So, in summary, you need disability insurance if:
- You rely on income and don’t have enough savings to carry you through when not earning
- Your employer doesn’t offer this insurance plan
- You need peace of mind because life is very unpredictable
Ultimately, everyone needs disability insurance because you never know when disaster will strike. And even if you have sufficient savings, the purpose of these savings wasn’t to step in when disabled. Let disability insurance do this for you.
Invest in disability insurance today!
Want to invest in disability insurance in Ft Myers, FL? You can trust Martin Insurance Team for all your disability insurance needs.
