Most professionals protect their homes, cars, and health, but what about their income? If an illness or injury left you unable to work for weeks, months, or even longer, how would you cover your living expenses?
That’s where disability insurance comes in. It provides income replacement when a medical condition keeps you from doing your job. There are two main types:
- Short-Term Disability typically covers a portion of your income for a few weeks or months.
- Long-Term Disability can pay benefits for several years—or until retirement—depending on your policy.
This coverage is essential for professionals like dentists, attorneys, veterinarians, or small business owners, who may not have access to employer-sponsored benefits. Many people don’t realize that workers’ compensation only applies to job-related injuries, leaving a significant coverage gap for personal health issues.
Here’s what to review:
- Do you have any disability coverage in place?
- If so, how much would it pay—and for how long?
- Would your policy consider your “own occupation,” or any occupation?
Disability insurance isn’t just about what could go wrong—it’s about making sure your life stays on track, even when your health doesn’t.
Want to know if your current disability coverage is enough, or if you need a plan in place?
Contact us at info@profinsprog.com or 800-637-4676 to review your options and protect your income from life’s “what-ifs.”
Get an Instant Disability Insurance Quote