Disability insurance is one of the most overlooked insurance policies. Yet, this type of insurance is super important for any individual to obtain. Some think that they can do without it, until it comes a time where they desperately are in need of it. In this blog post, ARG and Associates will go over the main importance of disability insurance and why you should obtain it.

 

Consider Disability Insurance

 

Many individuals do not obtain disability insurance because they think that they’re healthy and young. Health and age are not always the case for a disability, which is what people have a difficult time understanding. Disabilities can happen at any given moment of time, and unexpectedly. Whatever your situation is, it can have you needing to miss work for more than a few weeks at a time. Would you be able to afford missing several weeks, or even months off of work? Most individuals would not be able to survive, especially while supporting their families, with no monthly income. There are many different things you need to pay for every month, including education, food, clothes, and other necessities for daily survival. Also, being young does not mean that you can be in a situation where you will not get injured. You are just as likely to become disabled at a young age vs. at an older age. Plus, obtaining disability insurance when you are younger will be more cost effective for you.

 

Another reason some people don’t think they need to purchase this insurance is because their work provides it. If you are lucky, your work may provide you with disability insurance, but usually that is not the case. If they do offer it for you, it is normally a group plan with the rest of your co-workers together. This often limits you from getting the best types of coverage and protections. That is why we recommend getting your own insurance from a private provider like ARG and Associates, for more protection.

 

For a free consultation give us a call today! We will be more than happy to assist you with all of your needs.