Disability Insurance

If you become disabled and cannot work, coming up with enough money to maintain your lifestyle can be very difficult. The fact is, working people become disabled in the course of their careers, and often don't have a source of income to adequately support themselves. Disability insurance coverage is a solution to that problem, as it replaces a portion of your salary when you can't work. This helps to cover your day-to-day living expenses without requiring you to drain whatever savings you've accumulated.

You may already have some disability insurance as part of an employee's benefit plan, or be eligible for some worker's compensation assistance, but is that coverage sufficient on its own and will it cover you for the length of time you need?

Other questions you need to ask when you're considering disability coverage:

• Can I qualify for disability insurance in my occupation?
• What is the policy's definition of "disability"?
• If I need to use my disability coverage, when will I begin receiving payments?
• If I go to back to work and have a relapse, will I still be covered?
• What happens if my disability prevents me from ever returning to my chosen career, but I can still work in other jobs?
• Am I covered for a disabling illness as well as injury?
• Am I covered for mental or nervous disorders?

Because there are many variations of disability insurance, and you need to know the right questions to ask to help you pick the best possible combination of adequate coverage and reasonable premiums.

At Social Alliance, we offer disability insurance riders on select life insurance policies to give you peace of mind, and make it simple and convenient for you to get the answers you need. Get a quote from our friendly and knowledgeable licensed insurance agents today, or contact us for more information on what kind of disability insurance coverage is right for you.