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Long-Term Disability Insurance

Medical team advising man in wheelchair

Many people believe that they have long-term disability coverage through their employers.  Workers compensation insurance, which is mandated by law and paid for by employers, can provide for medical payments and ongoing wages.  However, the circumstances under claims are paid are very limited.  Some employers also provide long term disability insurance, but many do not.  And, if your employer does provide coverage, is it enough?  Are there significant policy restrictions that might preclude you from collecting?

Individual long-term disability insurance can provide for you in the event you become disabled – regardless of whether your disability was caused by your work.

What would happen if you were injured and unable to work for a prolonged period of time.  Your entire financial picture could change very quickly.  In addition to the loss of income, there might be increased expenses for medical costs.

Florida long-term disability policies can be designed to replace 60-70% of your income.  Contact us for more information about how you can have an individual plan to provide you with peace of mind.