Health Insurance Leads East Seattle Washington WA

Reader’s Question:

My brother decided to take a motorcycle ride last weekend. When the corner came a little too fast, he slip on sand, crashed, and broke his arm. His health insurance will cover his medical bills, but he is worried about the weeks of lost income that will stretch ahead.

Claire

East Seattle, WA

Even if you don’t own a motorcycle, your chances of becoming disabled are great. In any given year, one out of every eight people in East Seattle Washington WA will suffer a disability of some kind, from auto accident injuries to common back problems. Disability can mean financial disaster if you are single, without anyone else’s income to rely on when you can’t work unless you have disability insurance.

Your employer might have group disability coverage for you. I am sure many employers in East Seattle Washington WA will offer short-term coverage that pays disability benefits for a limited period of time, from a few days or up to a year. Some employers would also offer long-term coverage that might have 2 to 3-month waiting period but pays benefits until you are age 65. If you are lucky, your employer may pay all or part of the premium cost in any case. If you are not so sure exactly what coverage you have you can either check your employee benefits book or contact your human resources department. If you have not enrolled in the disability plan yet, try to find out how soon you can get covered.

You may be eligible for disability benefits through Social Security, workers’ compensation or another government program. But it is wise not to totally rely on these programs for protection since each program has its own set of usually strict limitations and restrictions regarding eligibility and benefits paid. Take not that if the disability coverage you have doesn’t adequately meet your needs, consider buying an individual disability income insurance policy. You can buy coverage tailored to your needs and your budget because policies come in all shapes and sizes. I suggest that you shop around and get quotes from several different insurers which this website can do for you just by filling out a similar form found in this page. Benefits paid by most individual policies offered by insurers in East Seattle WA are received free of income taxes unlike insurance provided by your employer.

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