If the unexpected happens – you become hurt or sick and unable to work, would your savings or the disability benefits that you receive through your employer be enough to pay your bills?
Individual disability insurance helps protect a portion of your income and provides financial protection if you become disabled and unable to maintain your current standard of living. Anyone who depends on their income to pay the bills or maintain their lifestyle should consider disability income insurance. If you don't have unlimited financial resources, you need enough money to cover costs and supplement your income until you can go back to work.
Short term disability insurance covers an insured for a short period of time, typically less than one year. Long term disability insurance benefits can start as soon as 90 days and continue until normal retirement age.
Serpe Insurance, an independent insurance agency in Chicago since 1975, can perform a free detailed analysis of your current situation to determine the best disability insurance for you. Because we represent many highly rated insurance companies, Serpe Insurance can provide you with multiple disability insurance quotes and help you select the best disability insurance policy. Serpe Insurance is licensed to sell disability insurance not only in Illinois but also in Indiana, Wisconsin, Ohio and Texas.
While many people may be part of their employer's group disability insurance plan, the disability benefits may not be enough to cover your expenses throughout a long-term disability. Especially if you are highly compensated, it is likely that your group disability benefit does not provide an adequate level of income protection.
If you own or manage a business, you know your day to day involvement is vital to its success. An illness or injury could jeopardize your company's success and threaten your financial security. You can protect your company's future and your financial future from the financial effects of disability by purchasing Individual Disability Income Insurance.
Contact Serpe Insurance to help you design a short-term and long-term disability insurance policy to fit your needs. To request a free disability insurance quote or find out more about the insurance programs offered by Serpe Insurance to reduce your insurance premium cost:
Call (773) 871-0808
E-mail: Thomas D. Herr email@example.com
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