Individual Disability Insurance

Are you looking for individual disability insurance? If you are, you’ve come to the right place. InstantDisability.com is a leading disability insurance company that provides you with easy access to insurance solutions.

Offering the following services:

* Individual Disability Insurance

* Senior Disability Insurance

* Long Term Care Insurance

* Life Insurance

* Group Health Insurance

* Short Term Health Insurance

Individual disability insurance is a form of insurance that provides financial protection in the event that you are unable to work due to a disability. This type of insurance can help to cover your living expenses and medical bills if you are unable to work. There are many different types of disabilities that can be covered by an individual disability insurance policy, so it is important to choose a policy that is right for you.

There are a few different options when it comes to short-term disability insurance. You can purchase a policy through your employer, or you can buy an individual policy. If you’re self-employed, you’ll need to purchase an individual policy.

When you’re shopping for a policy, it’s important to compare the benefits and coverage levels to find the right policy for you. You’ll also want to consider the cost of the policy and the length of the benefit period. If you have any questions about short-term disability insurance, be sure to speak with a licensed insurance agent.

These are some of the benefits of getting individual disability insurance: 

• Your own coverage replaces your paycheck to pay for your basic monthly expenses like rent, mortgage, car payments, gas and insurance, food, clothes and other stuff if you can’t work due to disability. 
• If you become disabled and your employer doesn’t have insurance, you can get Social Security disability benefits only after you have been disabled for five months. The individual disability insurance can help you to get benefits sooner. 
• If you become disabled and you don’t have insurance, you will have to make monthly payments for your debt and pay for your monthly expenses. You will not be able to pay for your family members’ expenses such as college tuition or extracurricular activities. 
• If you are disabled, you will not be able to save money for retirement. In the long run you may face financial problems and not be able to live the life you want.

Disability insurance is designed to replace 70% of your income after you have been disabled for a period of time. However, like life insurance, the level of coverage you need depends on your income.  If you have family members who can turn to for financial support should you become disabled, it is likely that you can get by with less coverage. By contrast, if you are married and financially support a family, you may need enough coverage to ensure that when you are disabled you are not burdening other family members.

While it is certainly important to consider disability insurance for individuals, such a choice will be unique to each and every one of you. We are excited to be able to help you find the best individual disability insurance policy for your unique situation.