Disability Coverage

If you cannot work, where will you get the money you need to live?

Working people are more likely to suffer a disability than premature death.

If you become disabled and cannot work, will you have enough money coming in to maintain your lifestyle? The fact is, far more working people are disabled in the course of their careers than die prematurely.

Disability coverage available as a rider on some life insurance policies can replace a portion of your salary when you can't work, helping to cover your day-to-day living expenses without draining whatever savings you've accumulated.

You may already have some disability coverage as part of an employee's benefit plan, or be eligible for some worker's compensation assistance, but is that coverage adequate on its own? Can it provide enough income, or pay benefits for a sufficient length of time?

Other questions you need to ask when you're considering disability coverage:

  • If I'm injured and can't work at all, when will I start receiving payments?
  • If I go to back to work and have a relapse, will I still be covered?
  • What happens if my disability prevents me from ever returning to my chosen career, but I can still work in other jobs?
  • How does the policy define "disability"? (Read the fine print!)
  • Am I covered for a disabling illness, and not just injury?
  • What about mental or nervous disorders?
  • Can I even qualify for disability insurance in my occupation?

Get the Right Disability Coverage for Your Needs

There are many variations of disability coverage, and you need to know the right questions to ask to help you pick the best possible combination of adequate coverage and reasonable premiums.

At Matrix Direct, we can make it simple and convenient for you to get the answers you need. We offer disability riders on select life insurance policies, to give you peace of mind. Get a quote from our friendly and knowledgeable licensed insurance agents today, or simply contact us for more information on what kind of disability coverage could be right for you.




Get a Free and Personalized
Disability Insurance Quote

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