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Long-Term Disability Insurance

Maintain your financial stability in the event of an injury.

Long-term disability insurance provided by Strickler Insurance.

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Getting long-term disability insurance can help protect you when serious illness or accidents interrupt your life. If you weren’t able to work for months or years well also having medical costs it would be difficult to support yourself financially. Long-term disability insurance provided by Strickler Insurance of Lebanon PA is designed to help you manage your disability, your home, and your finances.

What Does Long-Term Disability Insurance Cover

The basic idea of long-term disability insurance is that you pay ongoing premiums and then in the event that you’re not able to work you receive ongoing payments to make up for your lost income.

Personal long-term disability works similarly to life insurance. Life insurance functions so that if you die your life insurance coverage helps support your family financially. Long-term disability functions so that if you are injured or unable to work, it helps support your family financially. You should consider disability insurance to protect your family’s future.

An Example Of Long-Term Disability Coverage

One example of long-term disability coverage is if you were to get in an accident that left you physically unable to work for a large period of time. Long-term disability would help supplement your income during that time frame.

How Much Does Long-Term Disability Insurance Pay Out?

The amount of wage replacement that is provided by your disability insurance depends on your plan and premium. Generally, long-term disability coverage provides around 50% to 70% of your work earnings before your disability.

Long-Term Disability Insurance Vs. Short Term Disability Insurance

The difference between disability insurance may seem simple and based on the time frame. That is true but they are also different in what they cover. From the number of wages covered to when the disability coverage even begins. Short-term disability can be more closely associated with childbirth injuries from the accident or physical health problems that are temporary. Long-term disability insurance coverage is more closely connected with cancer or diseases that impact people for a long amount of time.

Do I Need Long-Term Disability Insurance?

If you are the primary financial supporter of your family you should consider long-term disability coverage. A lot of people neglect to get disability insurance because they think Workmen’s Compensation has them covered. While Workmen’s Compensation is beneficial and protects you in certain areas, it does not fully insure your future. A majority of long-term disability claims are connected to long-term illnesses that result in unemployment.

Get Long-Term Disability Insurance From Strickler Insurance

Strickler Insurance is located in Lebanon Pennsylvania. Get your Long-Term Disability insurance in Lebanon PA, Pennsylvania, or one of our neighboring states. At Strickler, we hope to provide the best Long-Term Disability insurance. We provide Long-Term Disability coverage in New Jersey, New York, Maryland, Delaware and Virginia. Contact us today for a free Long-Term Disability insurance quote!

Long-Term Disability - Patient with Doctor After Surgery

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