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Disability Insurance To Protect Your Family
Disabilities Are A Leading Cause of Foreclosures Today!
by Steve Crawford
E-Mail Steve Crawford

It is common for new parents to think about buying some life insurance when they have their first child, but how many of us thought about getting individual disability insurance?

Individual disability insurance, like the ProVider Plus policy offered by Guardian, is designed to protect your income depending on the policy you purchase. It will pay you a percentage of your income every month you are totally disabled. Most policies provide coverage to age 65 or 67. The need for disability income insurance is as important as life insurance.

You can think of DI as lifestyle protection, it is designed to make sure you can maintain your current standard of living when there is no income coming in. If you didn’t buy disability insurance, and suffered a long-term injury, where would you go for money to maintain your lifestyle?

Banks are not going to lend money to anybody who is not working because of a disability. Disabilities are one of the leading causes of foreclosures in the United States today already. Social Security benefits for most people are generally insufficient to sustain the lifestyle you have now, assuming you would qualify for such benefits. If you are entitled to benefits from the Social Security Administration,, it could be more than a year before you ever collected because of the system.

If you want to protect the lifestyle you have provided your family, you need to own a top quality disability insurance policy that will protect your income in the case of disabling unexpected illness or injury.

Disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY, or provided by Guardian. Product provisions and features may vary from state to state.