Disability is a risk for everyone. It’s a fact that 35-year-olds face a 50 percent chance of suffering a disability for a 90-day period before the age of 65, and more than 370,000 Americans become disabled ever year. These are sobering facts, especially considering that 100 million Americans aren’t covered by long-term disability insurance. Disability insurance provides a financial cushion and prevents the disabled individual from suffering monetary hardships during the interim.

A disability is defined by physical or psychological impairment that prevents an individual from completing substantial gainful activity. This definition only applies to those who are working during the time of disablement.

Many employers will offer coverage through group plans, which is the most common type of disability insurance. Group disability insurance is also commonly the most affordable. While this is a definite benefit, group plans have limitations in their coverage, which is why it’s wise to supplement the coverage with individual disability coverage.

There are many benefits to having an individual disability plan in addition to your group coverage, including:

Individual policies fill the gap between your paycheck and what a group policy will cover

A loss of a paycheck due to disability could be financially ruinous, and although group coverage will cover a portion of that lost income, sometimes it’s not enough. Group policies provide a cushion, but they often won’t fill the amount one needs to survive comfortably. Individual coverage will fill some of the gap, and allow the disabled individual to focus on returning to work rather than stressing about finances.

Individual policies are portable

If an individual leaves their employer, they can carry the individual policy with them. Many individual disability insurance policies have an option to increase the benefit amount if income increases, without having to go through medical underwriting again. Also, in rare cases, an employer might decide to discontinue a group plan, which would have no effect on an individual policy. The stability of an individual insurance plan is a definite benefit over a group plan.

Individual benefits are tax-free

An individual plan may have higher premiums, but the benefits are often tax-free. Determining the long-term cost and risk of both options could mean that an individual plan will yield more financial stability during a period of disability.

Individual coverage is highly customizable

Individual disability insurance policies offer features which are unavailable through a group policy. With an individual plan, you have the option of customizing your plan to fit your needs and budget, whereas a group plan is often a “one size fits all” policy.

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For more information, call an insurance professional at LifeInsure.com (866) 868-0099 during normal business hours or contact us through our website.

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To get more information about purchasing life insurance with severe medical conditions, contact an insurance professional at LifeInsure.Com today at (866) 868-0099 during normal business hours, or you can contact us through our website 24/7.

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Richard Reich

CEO - Licensed Agent

Richard Reich CEO and Licensed agent

In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.  Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client. I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.  I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure. Please feel free to contact me at your convenience.


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