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Disability Insurance
Be prepared for the unexpected.
We can't always know what's around the corner. This is why Mallorn Financial is here to help Protect you and your family against unforeseen loss of income due to disability. With disability insurance, you can be prepared incase the unexpected happens.
Disability insurance in Key West
Disability insurance is a smart investment for those who like to be prepared. Simply put, a disability insurance plan allows you to keep paying the necessary expenses for you and your family in the event you become disabled and unable to work. There are two disability insurance options we offer to Key West community members.
Short-Term Disability Insurance:
Short term disability is designed to provide financial support for a limited time, usually 3 to 6 months.
Long-Term Disability Insurance:
Long-term disability insurance is an insurance plan that provides financial support for an extended duration.
Reasons for disability insurance
Job-related risks:
Depending on your occupation, you might face higher risks of disability due to workplace hazards, the physical requirements, or exposure to hazardous environments. Disability insurance provides peace of mind knowing that you're financially protected if an accident or illness keeps you out of work.
Supplementing employer benefits:
In 49 of the 50 states, employers are required to carry workers compensation and some employers offer additional long-term disability insurance as part of their benefits package. The problem is that the coverage is only designed to cover a portion of the regular income earned. This can put a strain on your finances in the event of an injury. Having a disability insurance plan ensures you maintain the income needed to continue paying your regular living expenses.
Peace of Mind:
Knowing that you have a disability insurance plan in place provides peace of mind and financial security for you and your loved ones. When an injury or illness happens, you need to be focusing on recovery and rehabilitation, not the financial consequences of you being out of work.
Mallorn financial is here to help answer your questions and find the right disability insurance plans that fits your lifestyle and financial goals. We are dedicated to helping members of the Key West community thrive.
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Fill out the form or call us at (305) 363-5429
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