This plan offers a portion of your earnings, generally around 60%, to help pay for your basic expenses while you cannot work.
There are different kinds of disability insurance, some of them will cover disabilities that prevent you from performing the material duties of your own occupation, while others will cover disabilities that prevent you to perform any occupation.
You need a Disability Insurance if…
Rely on their Income
To support themselves and their loved ones
Primary Breadwinner
Those who have a high-income occupation, self-employed individuals, or people who have high medical expenses
High-Deductible Plan
To help cover costs that aren't covered by insurance
High-Risk Occupation
Such as professional athletes, dancers, or those in the construction industry, may also benefit
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