Florida Disability Critical Illness Insurance

Replace a major portion of your income if you are unable to work due to an illness or injury.

When you think of your assets, you probably think of tangible things like your home, car and retirement account. But, what about your ability to earn a living? We believe one of your biggest assets isn't anything you can touch or feel; it's your ability to work.

If you're like a majority of Americans, it would be difficult, if not impossible, to continue meeting your monthly obligations if you were to become injured or ill and could no longer work. Florida disability critical illness insurance is designed to help replace a major portion of your income if you were unable to work because of an illness or injury.

For this reason, many people think of it as “paycheck protection.” Along with Florida life insurance, disability critical illness insurance can offer the protection you need to ensure your family doesn’t lose their home or other valuable assets if the unthinkable happens.

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How Does Florida Disability Critical Illness Insurance Work?

Like any insurance policy, you will need to apply for coverage and make regular premium payments to keep your policy in force. Florida disability critical illness insurance can be purchased as a stand-alone policy, or as an added endorsement on your life insurance policy.

In the event you were to become disabled, your policy would specify how long the "elimination period" would be before benefits begin. After that elimination period, if you were still disabled and unable to work, the policy would pay you the benefit amount specified in the policy, for the length of time specified in the policy.

Your monthly disability critical illness insurance payments during periods of disability are designed to provide you with some supplemental income during the period you are unable to work. This can help you continue paying your mortgage and other bills as needed.

While you may have or be able to get some disability insurance offered through your employer, purchasing your own separate disability critical illness insurance coverage gives you peace of mind knowing you'll have coverage even if you change jobs and lose those current employee benefits.

Also, disability critical illness insurance can help you avoid the frustration and delays that can come with relying only on Social Security Disability benefits.

How Do I Qualify For This Type Of Coverage?

All insurance carriers and disability policies are a little different, but qualifying for coverage may be easier than you think. Normally, there is no requirement for a physical exam.

Your policy will explain how "disability" is defined, and whether there are any exclusions to coverage. In general, private disability income insurance policies say that you are considered "disabled" if you are no longer able to work in your current occupation because of your physical or mental condition.

When Should I Buy Florida Disability Critical Illness Insurance?

The best time to buy disability insurance is now, while you're healthy. Don't wait until your next big bonus at work to purchase coverage; many policies can be customized to include cost-of-living adjustments, so your policy benefits will rise with your income over the years.

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Protect your loved ones from an unexpected loss of income or disability/illness. Make sure you have income coming in while you figure out your next move. We'll show you how and answer any questions that you have. Click on the button below to get your free quote today.

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