Disability Insurance

Disabilities can range from short-term coverage to long term. For on-the-job injuries, most employers have worker’s compensation coverage. For self-employed people or for employees who incur off the job injuries or sickness the loss of income can be devastating. Disability policies are designed to avoid that situation and can provide much needed income should a loss of time from work occur. There are variety of insurance companies that specialize in this market. Some cater to white collar professions, some to blue collar, some to self employed and some to employers looking to enhance their benefit packages. It is important to shop this market in order to find the right contract at the right cost.