How would you pay for your bills if you were disabled and could no longer work?
How would you maintain your standard of living for yourself and your family? Your chances of becoming disabled during your working career are probably higher than you think. Nearly one in four men and women under the age of 40 will become disabled for 90 days or longer prior to their retirement. Each year, one in 13 workers suffers a disabling injury or illness. (Source Book of Health Insurance Data, Health Insurance Association of America).
Crew Insurance Services will assist you with your disability insurance needs. We offer a variety of plans from many insurance companies.
Disability insurance pays monthly benefits when you become unable to work because of a disabling physical or mental reason. Your individual coverage will determine when your benefits actually begin, how much you receive, the limitations on your coverage, and how long you can receive benefits.
IINSURANCE PLAN DETAILS
There are two types of disability policies:
Long Term Disability
This plan covers your income for a longer period of time, usually up to five years or until age 65. It is the most important type of disability insurance. No one should be without it.
Short Term Disability
This plan covers your income during the early part of a disability, from two weeks up to a year