Disabling injuries and severe illnesses can happen at any time, even if you’re young and healthy. These medical conditions are often painful and difficult, but they can also leave you unable to work and provide for dependents. Fortunately, disability insurance fills the gap, replacing your income until you can go back to work.

A Guide to Disability Insurance

What Is a Disability?

A disability can take almost any form, from debilitating diseases to traumatic accidents that limit your ability to perform routine tasks. Mental health issues such as severe anxiety or post-traumatic stress disorder (PTSD) can also qualify as disabilities in extreme situations. The definitions of disability vary from one policy to the next, but most consider workers disabled if they cannot continue working in their chosen profession. However, some will only pay benefits if you cannot perform any gainful activity at all.

Types of Disability Insurance

Insurers offer a variety of packages to cover a broad array of situations. Long-term disability insurance is a popular option, offering wage replacement benefits to workers who are unable to earn a salary for an extended period, typically more than six months.

Short-term disability policies are also useful because Social Security won’t pay benefits to workers whose disabilities should last less than a year. If you have an accident or develop an illness that leaves you incapacitated for several months, short-term disability coverage will provide the necessary resources to avoid financial disaster.

For over 40 years, the independent agents at Taake Insurance Agency LTD have helped workers throughout Monroe County, IL, protect themselves from the unexpected. They individually evaluate your needs so they can recommend the right policy for you. Visit their website to learn more about their services, or call (618) 281-7656 to request your free disability insurance quote today. Follow their Facebook for more tips and updates.