One thing to remember and that I make it a point to mention in conversation with business owners or employees, you want to be the one to determine outcomes! If your disability or your life insurance for that matter, is provided by your employer, you do not have control over the specifics of the policy. If you were to lose your job or accept another position with a company that does not offer disability coverage, your insurance is generally lost as well. Own your coverages!

Doesn’t Social Security Cover Disability?

The answer to that is yes, SS can pay some income if you’re disabled and can not work. But the amount paid to a disabled person is not an “adequate” replacement of income. In 2013, according to SSA, the average monthly benefit was $1,130 per month. For most families and businesses that just simply isn’t enough. To make matters more complicated, qualifying for a Social Security benefit is very complex. Everyone knows of “that” person in their family who tried for years to get on social security and was repeatedly denied. There are even lawyers who specialize in working with people who were turned down! Again, you want to be the one to determine the outcomes! The best way to do this is to own it if possible.

CALL ME AT (205) 578-2097 TO CHAT ABOUT YOUR NEED OR FILL OUT OUR ONLINE QUOTE FORM TO GET INSURANCE RATES FAST.