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Florida Disability Insurance

If you’re like most people, you need a regular paycheck to maintain your lifestyle. But what happens if you find yourself unable to work due to a disabling injury or illness? A sudden loss of income due to disability could have devastating financial consequences for you and your family. However, Florida disability insurance can help you maintain your current lifestyle and prevent you from depleting your retirement or your kid’s education funds. Most times, your employer’s group long-term disability income insurance is not enough. Accidents happen and if you become disabled, you’ll still have responsibilities like rent or a mortgage, car loans, retirement savings, and everyday expenses. Individual Florida disability insurance protects your income if you become too sick or injured to work for any period of time. It provides cash to help ease the financial stress on you and your family.

Why You Need Disability Insurance

Disability insurance is the safety mechanism that protects your paycheck if you suffer an injury or illness and can’t work for an extended period of time. It replaces a portion of your income until you’re able to return to work. In 2016 over 2.3 million people in the US applied for disability insurance. 25% of people are at risk of developing a disability by the time they retire. The odds of suffering a long-term disability are high for all workers as illnesses, not accidents; account for 90% of disabilities. Non-work-related illnesses and injuries don’t qualify for workers compensation. The majority of employers in the US don’t provide long-term disability insurance.

Do You Need Disability Insurance?

How long can you afford to go on without regular income? For most people that’s about a month. If you have personal debt, such as a mortgage, rent, credit card bills, auto loans, or student loans – regular income keeps you financially afloat. If you rely on a paycheck to meet your day-to-day expenses, disability insurance should be a part of your financial plan. << Back to Supplemental Insurance

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