Disability Insurance

In order to understand the right type and amount of disability income insurance for your needs, you’ll first need to examine if you already have some coverage in place.  For instance, you may have some form of disability income insurance through your employer.  If you do, it may be a good idea to find out if you have short-term and/or long-term coverage, and exactly how long the benefits last.  Knowing what coverage you already have in place will help you determine if you need additional coverage to help pay for ongoing expenses in the unfortunate event you ever become disabled.