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How Disability Insurance Supports Odessa, TX Families

Odessa, TX, families who thrive on hard work, determination, and a strong sense of community deserve to be financially protected from devastating financial losses that can happen when local workers are rendered temporarily or permanently disabled without income. 

A. L. Saland Insurance Solutions Inc. understands the intricate needs of Odessa, TX families. Our licensed and knowledgeable insurance agents can help you choose the best disability insurance plan that protects your family’s interests. 

How Disability Insurance Supports Local Families 

Disability insurance can provide partial (or full) income replacement when a covered policyholder is rendered unable to work because of an illness or injury. Workers with disability insurance can breathe easier knowing their everyday needs for food, shelter, and paying household bills can be met during this unexpected downtime. 

Many people confuse disability insurance with other workers’ compensation replacement plans. Disability insurance is a financial tool that supports covered policyholders through a variety of medical and health-related events, including on-the-job injuries, mental health-related issues, and the onset of long-term debilitating illnesses. 

Disability Insurance Types

There are a variety of different types of disability insurance. The following offer examples of the most common policy types. 

  • Short-Term Disability Insurance: Limited coverage period, typically a few weeks or months. 
  • Long-Term Disability Insurance: Extended coverage period can last for years or a lifetime. 
  • Employer-Sponsored Disability Insurance: Varied coverage periods provided by an employer. 
  • Individual Disability Insurance: Varied coverage periods, customizable. 
  • Supplemental Disability Insurance: Add-on coverage to supplement existing policies. 

Disability Insurance Near Me – Odessa, TX

Disability insurance experts at A. L. Saland Insurance Solutions Inc. can help sole breadwinners, dual-income households, and self-employed entrepreneurs choose customized policies. Our licensed and friendly agents can provide professional advice and a disability insurance quote to meet your family’s unique needs! 

3 Common Types of Disability Insurance You May Need

If you become disabled and unable to work for a significant period, getting a disability insurance plan can help cover you financially.  Disability insurance can help pay your benefits when you can’t work due to your condition.  Some of the various types of this insurance include short-term disability, long-term disability, and individual disability insurance.  If you’re looking for this type of insurance, our insurance agents at A. L. Saland Insurance Solutions Inc. serving Odessa, TX could help you identify the right one for your needs.

Common Types Of Disability Insurance

Short-Term Disability Insurance

If you can’t work for a short amount of time, short-term disability insurance may be a good option for you. It usually pays for a portion of your income if you’re unable to work for a few days or months due to an illness or injury.  This type of plan usually has a benefit period of 1 year or less.  Short-term disability insurance can cover women who are on maternity leave, musculoskeletal injuries that could be temporary, or non-work-related injuries.

Long-Term Disability Insurance

However, you may have a more serious condition that can cause you to not work for years.  In that case, long-term disability insurance may be beneficial.  This type of disability insurance plan usually has a benefit period of 2 years, 5 years, or age 65.  If you become seriously ill or have a severe injury that prohibits you from working anywhere, you may qualify for this disability insurance.  The three types of definitions of a long-term disability insurance plan are true own occupation, modified own occupation, and any gainful occupation.

Individual Disability Insurance

This disability insurance plan is available on a long-term or short-term basis.  However, this plan is usually purchased privately.  Many business owners and other professionals like to enroll in individual disability insurance.  The benefits usually vary between individual long-term disability and short-term disability plans.

Contact Our Office Today

Finding the right disability insurance plan could be an easy process.  Our Odessa, TX insurance agents are here for you to help you decide on the right plan for you. The financial impact of being disabled and out of work could hurt anyone.  Contact A. L. Saland Insurance Solutions Inc. for help today.   

What are the benefits of having disability insurance?

If you are in the state of Florida, it is important that you always have insurance to protect yourself. An important form of coverage that people here should consider getting is disability insurance, which will provide various forms of support as you prepare for the future.

There are various benefits that come if you do have a disability insurance plan:

Provide a Source of Income if Ill or Injured

One of the main reasons why you should get a disability insurance plan is that it can provide you with a source of income if you were to become ill or injured. Dealing with a serious illness or injury is always a challenging situation. This can be made even worse if you are not able to work and lose an income. A disability insurance plan will provide you with financial resources, typically set as a percentage of your income, while you recover. 

Peace of Mind

It is also a good idea to have this insurance for peace of mind. If you are sick or injured, the last thing that you or your family should have to worry about are finances. When you have this insurance, it will allow you to focus on your recovery and avoid various financial stressors. 

Contact Us Today

There are many important forms of coverage that the typical person will want to have when they are in the state of Florida. An important form of coverage to consider getting is disability insurance. When you are looking for this type of coverage here, it would be wise to start the search by calling A. L. Saland Insurance Solutions Inc. Our team of insurance experts at A. L. Saland Insurance Solutions Inc knows the value of this coverage and can help ensure you are able to select the best policy for your situation. 

What Are The Different Types Of Disability Insurance?

Disability insurance mainly consists of long-term and short-term coverage. If you can’t work for at least 90 days, the long-term coverage gives you part of your income. Short-term usually covers you if you can’t work for a few days due to a serious illness or injury. If the condition deters you from normal activities, you can also purchase medical insurance to cover a certain percentage of your medical bills. Other types of disability insurance include parent/family leave, critical illness, and accidental disability. A. L. Saland Insurance Solutions Inc serving in Florida can help.

What to Know About Disability Insurance 

Whether private or government insurance, each comes with its benefits and drawbacks. After that waiting period, you will receive a set amount of money each month, depending on your policy. Government disability comes with no waiting period, but you will only receive a set amount of money. The common types of disability cover include: 

  • Short-term disability insurance
  • Long-term disability insurance
  • State disability insurance
  • Workers’ compensation
  • Disability overhead expense insurance
  • Mortgage disability insurance
  • Supplemental disability insurance
  • Social Security disability insurance

Short-term disability will typically provide 40% and 60% of your income if you cannot work for between 7 and 12 months. Long-term disability can kick in after a specified period or if you have exhausted your short-term benefits. Long-term disability will typically offer 40% and 60% of your income if you cannot work for more than 12 months. 

Critical illness insurance can help you cover treatment costs for serious illnesses, such as cancer. Disability insurance can be taken out as a single policy or in combination with other types of insurance. You can package it as an employee benefit or separately. This insurance comes in several different types, but the main goal is to cover your financial needs whenever you can’t work. 

Contact Us Today

Whether private or governmental, you should understand each type before making a purchase. Private disability insurance is typically purchased through an insurance carrier and is most often used to protect a company’s profits rather than an individual’s income. For expert advice, give us a call at A. L. Saland Insurance Solutions Inc in Florida.

FAQs About Disability Insurance

You have a home, health, and auto insurance policy; why would you need disability insurance? Disability insurance provides crucial financial protection, but many Americans don’t understand it. For this reason, A. L. Saland Insurance Solutions Inc. is answering commonly asked questions about disability insurance. 

What’s disability insurance?

This coverage covers a portion of your income when injuries or sicknesses prevent you from returning to your work for an extended period. This coverage is crucial for working Americans because it means you don’t lose all of your income when you miss work due to health concerns. 

Do I really need disability insurance?

Most people think that disability insurance is for the critically ill. This notion is half true. While severe diseases like cancer and heart disease may keep you from work, common injuries like fractures and less severe but chronic conditions like back and hip problems can make you miss work. Statistics by the U.S. Social Security Administration shows that at least 25% of Americans aged 20 today are likely to miss work for about one year because of a disabling condition! 

If you think that disability insurance isn’t necessary, can you afford to miss your paycheck for months and live normally? If you don’t have adequate savings or a robust support system when not working, disability insurance should be your friend.

Does disability insurance cover all disabilities?

Each plan has its terms and conditions. However, typical disability insurance won’t cover the below:

  • A disability following a riot
  • Intentional injuries
  • War
  • Injuries suffered during incarceration
  • Pre-existing conditions

The above list is just a guide. Be sure to check your policy document to know exactly what isn’t covered.

Can I work part-time and get disability insurance benefits?

It depends on your policy, but most allow policyholders to work part-time. However, during this time, you will subtract what you are earning from the benefit.

Where can I buy disability insurance in Florida?

Would you like to secure your income with disability insurance? Contact A. L. Saland Insurance Solutions Inc., serving numerous locations in Florida, for an affordable quote.

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