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We’ve got your back if you can’t work
An unexpected long-term disability can financially cripple you. Many people have the belief that nothing will happen to them; however, 1 in 4 adults living in the United States are living with a disability. Disability insurance is intended to replace some of a working person's income when a disability prevents them from working and earning a paycheck. Having disability insurance means being able to buy food, pay bills, and cover household expenses while you're unable to work.
Disability Insurance
Some people make the mistake of thinking if they become disabled their work will pay for it; however, if the injury didn’t occur on the job, you won’t be covered by workers’ comp. An employee may have a short or long-term disability through their employer but once FMLA runs out at approximately 12 weeks the employer can terminate the employee and those benefits would be lost. The employee would end up with no job and no income. Sadly, this exact situation happens more than you would expect.
The average long-term disability insurance benefit should be between 60% and 80% of your after-tax salary. It does not cover medical care or long-term care services. Health insurance and long-term care insurance are designed to protect those exposures.
Loss of income is one of the easiest exposures to protect. Protect your family today by filling out the form or calling today for your FREE quote.
Heard enough? Get a quote today.
Safeguard Insurance, LLC
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Insuring your health, life, and retirement.
Phone: 270-904-6070
Email: education@safeguardky.com
1600 Scottsville Rd, Suite 100
Bowling Green, KY 42104
The information presented on this website is for informational or illustrative purposes only. Safeguard Insurance is operated by licensed insurance agents who can help you enroll in an insurance policy. Safeguard Insurance, and any agents or employees, are not affiliated with or endorsed by the United States government, Medicare, or the Social Security Administration. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options. When you request to be contacted about Medicare Advantage, Medicare Part D, or Medicare Supplement plans, you acknowledge that a licensed insurance agent may contact you by phone, email, mail, or in-person to offer additional assistance or to discuss all your Medicare health insurance options.
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