When you hear the word “disability insurance” you may make a weird face and think to yourself that you will never need this type of plan. This is very false, and many people simply are just not educated about how it can save your life. Disability Insurance Services Beverly Hills are here to be your backbone and help you with your paycheck in a time of crisis. ARG and Associates, a commercial insurance company LA is here to tell you why you DO need it.
Importance Of Disability Insurance
This is the most common reaction that people give when hearing of disability insurance. “I am super healthy and young, and I won’t be at the point where I have a disability.” Unfortunately, you never know when a crisis can occur at any given moment that will leave you temporarily or permanently disabled. For example, if you are in a car accident, or you fell while skiing, or you are internally ill, you would need disability insurance to help pay a portion of your paycheck before you can get back up on your feet again. These types of common accidents can happen to anyone at any age, and being prepared for the worst is always the best thing to do.
Another reason why people think they do not need disability insurance is because they are already covered through work. This can be true, yet in most companies they will choose to not cover you unless you are very valuable/important to them. More than half of employers do not offer this type of insurance, simply because it will be costing them a lot of money out of pocket to cover their staff. If you are covered by work, this is great for you because you will be protected. But, there are many situations where an employee will think that they are covered when they are actually not.
Lastly, many people think that if something were to happen to them, the government will pay them benefits every month. In situations where you are temporarily disabled, they probably won’t. And, how long will it take until you will stop being able to live without an income, especially if you have a family to provide for? You still have food to pay for, bills to pay, and other things you need to buy in order to survive.
This is where disability insurance services Beverly Hills comes into play. Our team will set you up with only the best type of package coverage for you and your loved ones. This will be there to always support you and ensure you are getting a sum of money coming in every month. Wouldn’t you want to feel this type of security and protection? Now, you can! Call ARG and Associates, your commercial insurance company LA for a free consultation today.