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Disability Insurance Information
Disability Insurance in Edmond, OK
Serving OKC, Yukon, Piedmont, Mustang, Norman, and Moore
You never know when you might have an accident or experience a medical issue that alters the way you live your life. Should this occur, your income could dry up and your financial security could be at risk. That’s where the extensive security offered by disability insurance can come in handy.
Disability insurance can come in handy in a variety of circumstances where your physical incapacities cause you to face income insecurity. They’re a great benefit to have and you can easily get a customized policy by calling Bright Insurance Solutions.
About Bright Insurance Solutions
As a full-service independent agency, Bright Insurance Solutions offers diverse, high-quality property, casualty and personal insurance packages provided by industry leading carriers. We’ll help you design insurance benefits that will always keep you, your family, property and finances secure and protected. That way, you can get on with living your life rather than worrying about what the future might hold.
To get a quality disability insurance package, call us at (405) 410-9788 or request a quote now.
Common Disability Insurance Questions
What is disability insurance?
Disability insurance exists to help you when a physical incapacitation limits your ability to work. This incapacitation might be a temporary injury, or one that results in a permanent inability to live as you once did.
In these circumstances your ability to make an income might drop, and you could face a higher risk of personal insolvency. If you have disability insurance in place, then you’ll be able to use your policy to receive some of the income lost as a result of your incapacitation. Therefore, your personal security will be better ensured as you work to recover from this injury.
Most disability policies fall into two categories:
Short-Term Disability Policies: A short-term disability policy is designed to address a temporary injury. Usually, you will be able to recover approximately 50% of your pre-injury salary, and policies will usually pay for an extended time, sometimes up to two years.
Long-Term Disability Policies: With a long-term policy, you’ll receive coverage for more extensive and serious injuries. Even if you are no longer able to work, you can file against your long-term disability policy and receive income replacement for multiple years, even up to the age you are supposed to retire. Often, you’ll receive a higher level of income replacement than you would under a short-term policy.
You might use your payout to cover outstanding medical costs or simply afford the costs of everyday living during your recovery. You can use this coverage along with health insurance, workers’ compensation and other benefits to ease your financial burden during your recovery.
Who needs disability insurance?
Disability insurance is something that everyone can benefit from if they want the reassurance that they will have income support if they ever sustain a disability. It’s there to substantially reduce your personal financial burden even when you face significant challenges from injuries or illnesses you didn’t expect.
How do I get disability insurance?
Some employers offer supplementary disability insurance as part of their employee benefits packages. However, individuals and families can also buy personal disability insurance to receive more customized, tailored protection for their needs.
To get your disability policy, you will have to complete the appropriate registration and possibly undergo a medical exam. All policies differ in the precise steps you might need to follow to have your coverage application approved.
How much does disability insurance cost?
Various factors like your age, health status, income level, gender and your occupation can influence your premium on your disability policy. However, our agents know that the most beneficial policy is the one that is most affordable you. That’s why we’ll work with you to determine the best ways to design optimized benefits that also offer you affordable rates.