Most people are in a situation where if they become disabled they are going to need cash.  When a person becomes disabled and is unable to work, sooner or later the income will stop while the expenses keep on coming. The odds are quite high that a person who is 25 today will be disabled for a 90-day period before they hit the age of 65.  
 
Disability insurance can replace a portion of your income in the event you are unable to work.  While a major medical policy will pay your doctor or hospital bills, there are the day-to-day expenses of the household as well as any additional costs that might come with disability.

Take the time to understand your needs if the situation arose where you could not work and earn your paycheck.  Consider that the employer payed DI coverage may replace 60 to 65 percent of your income and that you will be taxed on that amount - does this leave you with enough income to meet your obligations?

It may be a worthwhile strategy to purchase an individual plan, even when you have employer coverage.  Advantages are:

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  If you are taxed on 65% of your income you may fall down to less than 50% of what you are used to having.  An individual plan can bring you back up to the 65% level.

• If you leave your job or your job leaves you, you will likely be able to adjust your individual plan whether you go to another employer that offers coverage, an employer that does not offer DI coverage or if you strike out on your own.

 
Like life insurance, disability insurance is a necessary form of coverage if you have people dependent upon you and your income.
 
From short term to long term you have many options available to tailor protection that will serve best for your circumstances and your budget.  Let us get the answers to your questions so you can decide if a disability policy is right for you.