Instant Disability Insurance

It’s a fact that no one would want to get sick or become injured, which can lead to disability. After all, this can put an end to your monthly income due to being unable to join the office and work. But the fact is that life can change in an instant. And this often happens when you least expect it. This is why opting for instant disability insurance is very important for every working professional. Whether you are working as a truck driver, IT professional, doctor, kitchen cleaning expert, or even a housekeeper, getting a regular flow of income is very important and nothing can replace it.

However, you can maintain to bear your monthly regular expenses with the help of a short-term or long-term disability insurance that will ensure your financial freedom in any uncertain situation. As an individual, you can choose from our wide range of options by requesting an instant disability insurance quote at Quixory.

Income protection in times of need

We all get insurance plans for our cars, houses, health, and even mobile devices. However, if you’re just like many other Americans out there, you probably haven’t tried getting a disability insurance instant quote to avoid the financial issues when you are unable to work in the office. In case an illness or accident prevents you from working, could you still cover your everyday expenses? This is a very important question that everyone should ask themselves. This is where instant disability insurance plans come into the picture. This is a type of insurance policy that will help protect the way of your life and also maintain your lifestyle, in case you get into a situation when your physician determines you're unable to work due to a covered accident or illness. There are many people who don’t even think about buying a disability insurance plan because they think they'll ever need it. But the fact is that 1 in every 4 people in their 20s are likely to experience disability before they retire. There are various health conditions that can lead to disabilities, such as:

• Pregnancy and childbirth
• Back and joint disorders
• Accidents and fractures
• Cancer
• Heart attacks and strokes

There are many states in America that are currently offering paid medical leave (PML) programs, which is also a form of disability insurance for some types of employees. Since this kind of program is able to offer as much coverage as employees might need when they're unable to work, it makes sense to get a long term disability insurance instant quote today and secure your family’s financial freedom today.

Types Of Disability Insurance Plans

We all rely on our paychecks to manage weekly or monthly expenses like electricity bills, house rent, etc. Opting for disability insurance can be your partner in the event of a physical or mental disability as this can provide money to help pay for your monthly expenses. At the same time, a disability insurance plan can also prevent using your retirement or education savings if you can't work. Here are the different types of disability insurance plans:

Long-Term Disability Insurance – As the name suggests, a long-term disability insurance plan can help cover a portion of your income in the event of disability for an extended period of time. The financial benefits you can get for a long-term disability insurance plan can last anywhere from five, 10, or 20 years, depending upon the coverage endurance you choose when buying the plan. According to statistics, the coverage can be anywhere from 60% to 80% of your monthly salary. It is highly suggested to choose a coverage amount of at least 60% so that you can ensure that you are able to cover your everyday expenses and other bills.

Short-Term Disability Insurance – This is also like the previous type of disability insurance plan but is only useful when you deal with a disability that will not last for a long time. The reason here is that this type of insurance plan will only provide you financial support for a few weeks or months when you are unable to work due to physical or mental disability. The benefits you get are paid directly to you, so you have full control over how to manage and locate these funds. With these funds, you can easily deal with everyday living expenses like your rent, mortgage payments, and groceries.

Who can benefit from disability insurance plans?

When you are unable to work due to disability and being unable to work, an instant disability insurance plan can help you with a steady income source so that you don’t have to worry about the monthly or weekly expenses and can focus on your health while taking care of your family. Of course, the money you get when becoming disabled will not replace your monthly or weekly salary completely, but it can prove to be a great support when you are in need of financial support.

Individuals – Worker’s compensation plans can protect you in case the disabling condition is job-related. However, if your disability isn’t covered under the worker’s compensation plan, then you can benefit from disability income insurance as this can provide valuable security and protection.

Employees with coverage – When you are covered by your employer, but the compensation isn’t enough to fulfill your family’s weekly or monthly expenses, then an instant disability insurance plan can bridge the gap between what’s covered by your employee benefits and the remainder of your wages.

Stay-at-home spouses – There are many instant disability insurance plans that also cover people who stay at home to care for their families. When applying for disability insurance quotes online instant, it is very important to check all the conditions to be sure about securing your family’s financial freedom.

Do you need disability income insurance?

One very common thing among many Americans is that they never even thought that they should go with a disability insurance plan, just like they have already got health and life insurance. Remember that there are high chances that you’ll miss work due to a long-term or permanent illness or injury that can prevent you from working. In such cases, instant disability insurance is the only choice that can help you.

So, plan your financial freedom today with Quixory’s disability insurance instant quotes today with a single click. We connect with the top instant disability insurance service providers to bring the best options for you so that you can pick the one that suits your needs and expectations. So, get your long-term disability insurance instant quote now with us.