Disability coverage is an important type of insurance that can provide supplemental or replacement income to a covered individual should they suffer injury or illness that prevents them from working. This type of coverage can be purchased individually, but is also frequently available through a group plan provided by the employer.
We will assist you in choosing the best coverage to help protect you and your family against financial hardship that may accompany a disability.
Features of individual coverage:
- Own-occupation policy - refers to the regular occupation in which you are engaged at the time you become disabled.
- You will remain totally disabled, even if you work in some other capacity, so long as you are not able to work in your occupation.