Based in West Bloomfield, MI, Phil Klein Insurance Group proudly services the community. We offer residents multiple types of insurance coverage. We want to make sure that our clients find the policies they need to protect what matters most. As an independent agency, we have partnerships with over 50 carriers around the country.
Disability Insurance Overview
Disability insurance covers you if you have a serious illness or injury that leaves you unable to work. The policy will give you peace of mind as you figure out the next stages in your life. An accident or life-changing event can occur at any moment. That’s why it’s important to have protection.
You have the option of short term coverage, which protects you for a few months while you rehab and prepare to return to the workforce. Long term disability coverage protects you over an extended period of time. You can amend your policy to cover you if you are undergoing training to learn a new skill or title on the job. You can also inquire about partial disability coverage, which protects you if you are only able to work on a part-time basis.
Age isn’t a big factor. Disability insurance can be an asset for younger workers in the workplace because an injury can occur at any moment. While your employer may offer disability coverage, research your own individual policy. That way, you will be protected if you decide to pursue new opportunities in the future.
Having your own policy also provides you with more flexibility in terms of coverage options. Be aware that you may have to deal with a waiting period before your coverage starts. The period normally lasts a few weeks. If you work at a job in West Bloomfield, MI with a high likelihood of injury, disability insurance provides a safety net.
Phil Klein Insurance Group Will Assist You
Visit our website to learn more information about disability insurance.