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更新日期：2019-05-08
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目前版本：1.1
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官方網站：http://shorttermhealthinsurance365.com
Email：gpriti1988@gmail.com
Disability insurance is one of the most ignored types of short term insurance that people do not buy. You might think that you are in good health and do not need disability insurance. However, the disaster can occur without prior notice. Occur accidents that could prevent you from working. In addition, the body is unpredictable and diseases can attack suddenly.
What is disability insurance?
Disability insurance is an insurance policy that will cover a large part of your salary if you can not work. Money is necessary to live, so this type of insurance will give you some income. It basically protects you financially if you become incapacitated.
Why do you need disability insurance?
You do not want to think about becoming disabled, but there are a lot of people in this country who can not work because of a disability. Having short term disability insurance can prevent you from having serious financial difficulties in the future. If you do not have disability insurance, there are many reasons why it could really cost you:
1. Loss of income: paid sick leave only goes so far. The cost of diagnosis, treatment and recovery can be significant. You should also make sure you have the money to pay the monthly expenses. You may have the medical insurance necessary to cover your medical bills, but the other expenses may leave you in a financial situation. When you can not work, you will not receive any income, but your bills will continue. If you have disability insurance, you will receive some money to help offset your loss of income.
2. Medical expenses: even if you have short term health insurance, the cost of medical care is increasing. Even with health insurance, there could still be a significant cost to your treatment and recovery. You may need specialists or even physical therapy to help you recover. Gas money also adds up. You must travel to the hospital or doctor's office while you are recovering.
3. Miscellaneous expenses: if you do not receive income, you can not do the things you enjoy. In other words, their quality of life would decrease. You can not go out to dinner or rent a movie. You could not spend money on your family at Christmas or your birthday. It would be a very boring and stressful way to live.
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