Disability Income Insurance

No one expects to become disabled, but it’s an unfortunate reality that can happen at any stage in life. Disability income insurance provides financial protection in case an illness or injury prevents you from working. At Rukhsana Lakhani Insurance Agent, we help you safeguard your income by selecting the right disability income insurance plan, ensuring you and your family are protected if you’re unable to earn a paycheck.

There are two main types of disability insurance: short-term and long-term disability. Short-term disability insurance covers a portion of your income for a limited period, usually three to six months, while you recover from an injury or illness. Long-term disability insurance, on the other hand, provides benefits if you’re unable to work for an extended period, sometimes up to retirement age.

We work with you to understand your needs and financial situation, helping you select the appropriate coverage. It’s important to consider how much of your income would be replaced by a disability insurance policy, as well as the length of the benefit period. We’ll help you evaluate these factors and choose the right plan to meet your needs.

Disability insurance is especially important if you have dependents or significant financial responsibilities. Without a steady paycheck, covering basic expenses like mortgage payments, utilities, and groceries can become challenging. Disability income insurance provides a safety net, ensuring your household can maintain its standard of living, even if you’re unable to work.

At Rukhsana Lakhani Insurance Agent, we help you navigate your options, so you’re not caught off guard if life takes an unexpected turn. We believe in providing solutions that offer peace of mind and protect your financial future.