Individual Disability Insurance
Individual Disability Insurance
Relying solely on your employer's group disability insurance plan can leave you underinsured or with coverage gaps that may not meet your long-term needs.
Group plans are often limited in coverage amounts, typically offering only a percentage of your income for disability benefits.
While this may seem sufficient, it may not fully protect your family if you have significant financial obligations such as a mortgage, education expenses for children, or long-term care needs.
Another risk is that group disability policies are tied to your employment, meaning that if you leave your job, get laid off, or retire, you may lose your coverage altogether. In some cases, you may have the option to convert the policy, but it often comes with higher premiums or limited benefits.
Having an individual policy outside of your employer's plan ensures continuous protection, regardless of job changes, and can offer customizable coverage tailored to your specific needs and goals.
This personalized approach to insurance provides a greater level of financial security and peace of mind for both you and your loved ones.
Trina Sells Insurance partners with over 40 of the nation’s top-rated life and disability insurance carriers. By leveraging our industry expertise and strong relationships with these A-rated providers, we can help you secure the most affordable and suitable coverage for your specific needs.
Click here to request your complimentary quote and ensure you have the optimal protection in place.