California Disability Insurance
Disability Insurance is also known as "asset protection" insurance. It is used to replace about 60% of your income while you are unable to work. Think of it, no money to pay for your monthly expenses while you are not able to work. Many people suffer great financial loss due to a disability. Unlike Life Insurance, you have a much greater chance of becoming disabled and/or having multiple disabling illnesses and injuries in your lifetime.
Good Disability Insurance policies have what is called an "Occupational Guarantee". This says that you are considered disabled if you can't perform your normal occupational duties. Being specific about what is considered a part of your normal occupational duties allows you to file a claim easier than a policy that does not have an occupational guarantee. Usually disability polices with no occupational guarantee only allows you to file a claim if you cannot work. That is a much broader definition that often times, makes it harder to qualify for a claim.
Request a California Disability Insurance Quote
To request a personalized California disability insurance quote please complete the form below. We will contact you within 48 hours. If you need immediate assistance please call 800-500-1916.