Disability Insurance
Coverage This Insurance coverage provides monthly benefit up to 75% of your gross monthly income in the event you are not able to work because of disability. Disability Insurance basically offers coverage in the event of injury only or injury and illness coverage. Some differences are explained under:
Disability Insurance – Injury only
Disability Insurance- Injury/ Illness
This plan pays monthly benefits in the event insured is unable to work because of injury and only in the event of injury from an accident.
This plan pays monthly benefits in the event insured is unable to work because of injury resulting from accident or Illness because of health reasons.
This plan could be best for some one who has a job involving high risk of accident.
This plan is a total coverage as even for some one doing high risk job is also exposed to health related risks.
Cost effective way to have coverage as injury only coverage cost much less in comparison to injury and illness coverage.
These plans offer more comprehensive coverage but the monthly premiums are higher in comparison to injury only coverage.
Professions like Truck drivers, Taxi drivers, warehouse workers, industry workers, blue collar jobs, window cleaning, other self employed are good candidate for this kind of coverage.
Because the premiums are higher, most of the time people who are subject to more stress related jobs go for this kind of coverage: such as Doctors, Lawyers, Engineers, management people.
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Coverage Amount :
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$15,000
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$1,000,000
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