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Long Term Disability Insurance by Innovative Insurance Services, LLC

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Long Term Disability Insurance

Long Term Disability Insurance provided by Innovative Insurance Services, LLC

Long term disability insurance replaces part of your income each month if a serious injury or illness prevents you from working. That way, you can stay on track with your finances while you focus on your recovery.

What is Long Term Disability Insurance?

Long term disability insurance is a type of income protection that is designed to cover serious injuries and illnesses that keep you out of work for three months or longer. This includes permanent disabilities that leave you unable to return to work.

Long term disability coverage is a smart investment for healthy, employed individuals who want to secure their financial future. You can get covered by yourself, as a part of a group, or both.

What does Long Term Disability Insurance cover?

Long-term disability insurance covers injuries whether they are sustained inside or outside of work. Some common examples of the types of conditions that are covered:

    • Sprains and strains
    • Heart attack
    • Stroke
    • Coronary artery disease
    • Back pain
    • Scoliosis
    • Pneumonia
    • Pregnancy complications
    • Rheumatism

Cost of Long Term Disability Insurance

Your policy’s benefit amount determines how much you will receive in long term disability benefits if you become disabled.

In most cases, your benefit amount will be a percentage of your income. The size of your disability insurance benefit amount will depend on the policy. Generally, long term disability policies can replace anywhere from 60 percent to 80 percent of your income

In addition, many policies replace the income that is lost if you have to take a lower-paying job due to an injury or illness.

It’s essential that you take the time to understand how long term disability works before making any decisions about whether or not this coverage is right for you. With our comprehensive guidance we hope that more people will be able to make informed decisions about their finances as well as live comfortably in case they ever need these benefits. Contact us to know more.

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