Disability Insurance for Every Lifestyle from Bird Insurance Agency
Accidents are never planned or expected, they simply happen, sometimes when you least expect them. Imagine you leave home for work like any other day, nothing out of the ordinary ever happens on your 20-minute commute to work. This time as you enter the highway, a car does not see you and slams into you going over 70 mph. You knew car accidents happen, but you thought it would never happen to you. Now you lay in a hospital bed, after a car accident that has left you immobile for weeks, maybe months, and the only backup plan you have at the moment is selling your current assets, your car, your child's savings fund, maybe even your house. Luckily, this can all be avoided with disability Insurance from Bird Insurance Agency.
What Disability Insurance?
Although you can never be fully prepared for an accident that leaves you in a debilitating state, you can cushion the financial blow of an unexpected accident with Disability Insurance, sometimes called Personal Accident Insurance, from Bird insurance Agency. Accidents impair your earning ability, which may leave you and your family in financial distress and overall despair. Disability Insurance is the security you need to keep your family and business life stable and to give you the peace of mind you need to focus on what really matters.
Disability insurance is coverage that pays proper compensation for you or your loved ones in the event of injuries, disability or death caused by a violent, accidental, external or visible event. With disability income Insurance from Bird Insurance Agency, you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent. Since the definitions of what a violent, accidental, external or visible event vary from insurer to insurer, thus it is important to ask your Bird Insurance Agency agent what your Disability Insurance plan covers.
Why Do I Need Personal Insurance
If you are already covered by life insurance and health insurance, disability insurance may seem a little excessive. However, if you are the sole or major money maker in your family and suffer an accident, disability Insurance could be the lifejacket your family needs to avoid financial consequences.
If you become severely injured in an accident that leaves you without the ability to work for almost a year, does your family have the money and recourses necessary to survive without your income until then? Would you be comfortable leaving them in a situation where they are at loss of an income, struggling to taking care of you and your medical bills, or even worse end up losing you completely? Disability Insurance takes care of this risk and allows you to protect your loved ones in the aftermath of an unforeseen event.
If your lifestyle leaves you more susceptible to accidents such as engaging in risky activities like skydiving, scuba diving, or other extreme sports; or working with heavy machinery, even as a hobby. An affordable disability insurance policy can help you pay for the expenses that are not fully covered by your major medical insurance.
Disability Insurance Curated with Only You In Mind
Disability Insurance can be designed to fit your specific requirements and lifestyle needs. Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability insurance is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy. At Bird Insurance Agency, we work hard to get to know you, in order to have the knowledge to build you the disability insurance policy that is best for you.