Disability Insurance in Brighton, MI
You strive to work hard and provide for yourself and your loved ones, but your physical and mental health could sometimes interfere. It’s essential to have sufficient financial support during these times, as lacking appropriate resources could exacerbate health issues and hinder recovery. That’s why disability insurance may be a critical investment, potentially helping you manage various ailments with limited financial strain.
What Does Disability Insurance Cover? 
Disability insurance policies can offer a versatile and multifaceted financial shield for you and your family, potentially offering benefits and monetary aid following various health matters. While exact coverage details may vary among carriers and policies, most disability insurance can render aid for issues arising from the following:
- Illnesses, such as cancer, heart disease and respiratory disorders
- Injuries, such as broken bones, lost limbs and musculoskeletal disorders
- Mental health issues, such as depression and schizophrenia
- Long-term conditions, such as arthritis and autoimmune disorders
How Does Coverage Work?
Your policy may assume various forms and its details can often be customized to suit your unique circumstances. Still, disability insurance policies can generally be sorted into one of the following primary classifications:
- Short-term disability insurance can offer financial aid for a limited period (e.g., up to 2 years) and may begin paying out within a matter of weeks.
- Long-term disability insurance may continue paying out for several years after short-term coverage ends; it might even last throughout the remainder of an insured’s lifetime, although waiting periods before receiving benefits may be longer.
How Much Does a Policy Cost?
When shopping for disability insurance, the following criteria may impact your quotes:
- Age
- Location
- Health conditions
- Occupation
- Smoking status
- Hobbies
- Coverage details (e.g., type of policy and benefit period)
Get the Right Coverage
Contact Active Insurance today to learn more about coverage options or to compare personalized quotes.