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Cover All Your Bases with Disability Insurance

Posted On Thu, February 9, 2012

Acquiring disability insurance for yourself is the best way to protect yourself in the event of an injury keeping you from working for an extended period of time. When an injury keeps you from work, your bills continue to roll in. For this reason, you need to rely on the money that would come in via disability insurance to stay financially afloat. Disability insurance policies come in two forms, and you want to make sure you get the right kind for your potential needs.

First, you need to know if your employer offers some kind of disability insurance. Long term and short term insurance are both available. Short term insurance usually lasts 30-60 days depending on the policy. Long term insurance lasts longer, but it's worth checking just how long. Either way, it's not a bad idea to acquire a policy outside of your office – in the event that you switch jobs, you will still be protected.

You also want to check out the policy to see how it is worded. Different policies define "disability" differently. If you are unclear about the language in your policy, you can get burned. Check with a professional to ensure you will receive the coverage you need.

When you are trying to keep all your bases covered, make sure you know the kind of disability insurance you need to buy. Look at what the policy stipulates you need for payment and how the policy handles claims. This will allow you to get a good deal, a great policy, and have the insurance you need, if you are ever unable to perform the duties at your place of work.

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