Florida Disability Insurance

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Florida Disability Insurance - Get the Coverage You Need, Deserve & Afford

When considering your assets, you probably feel your possessions, like your home, car, and retirement account. What about your capacity to make a living, however? At Insurance Ministers, your work capacity is one of your most valuable assets—it’s not something you can touch or feel. If you’re like most Americans, you will find it challenging, if not impossible, to keep up with your monthly responsibilities if you become sick or hurt and can’t work.

Protect Your Paycheck with Disability Insurance Services

Disability income insurance is intended to replace a sizable percentage of your income if you cannot work due to a sickness or injury. Because of this, it is frequently called “paycheck protection.” Disability insurance, when combined with life insurance, can provide you with the security you need to prevent your family from losing their house or other vital assets in the event of the unexpected.

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Looking for Disability Insurance in Florida?
disability insurance services

How Does Disability Insurance Work?

You must apply for coverage and pay recurring premiums to maintain your insurance policy. You can either buy disability income insurance as a standalone policy or as an additional endorsement to your life insurance policy.

Your policy would outline how long the “elimination period” would be before payments started if you were disabled. If you were still incapacitated and unable to work after that elimination period, the policy would pay you the benefit sum for the time indicated in the policy.

Your monthly disability income insurance payments are intended to give you some extra money while you are off work during periods of incapacity.

Choose Insurance Ministers for Disability Insurance

Disability insurance’s main advantage is its capacity to replace a large percentage of your income or offer paycheck protection in case of a disability. By knowing that the rent or mortgage would be paid whether you could work or not, your family could maintain their current standard of living.

Even though your employer could provide some disability insurance for individuals, buying your independent disability insurance lets you know you’ll be covered even if you move jobs and lose your present employee benefits. The frustration and delays that might result from relying solely on Social Security Disability can also be avoided with disability insurance.

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Disability Insurance's Two Varieties

The two types of disability insurance are as follows:

Long-Term Disability
The maximum benefit length for long-term disability (LTD) coverage ranges from a few years to the remainder of your life, with a waiting period of several weeks to several months.
Short-Term Disability
The maximum benefit length for Florida short-term disability (STD) insurance is two years, with a waiting period of 0 to 14 days.

Your Trusted Partner for Disability Insurance Services

At Insurance Ministers, we understand that life can take unexpected turns, and it’s crucial to be prepared for any eventuality. We are dedicated to providing top-notch guardian disability insurance to safeguard your financial future and offer peace of mind during challenging times.

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Why Disability Insurance Matters?

Disability insurance is a vital safety net that protects you and your loved ones from the financial burden that may arise due to unexpected disabilities or injuries. If an unforeseen event leaves you unable to work, disability insurance ensures that you continue to receive a portion of your income, helping you maintain your lifestyle, cover essential expenses, and focus on your recovery without added stress.