Individual Disability Insurance
![Individual Disability Insurance](https://files.alicor.net/jeffwareinsurance.com/_page/disability-insurance.png)
Individual disability insurance is used to replace lost income if you are disabled or cannot work due to an injury or illness. At Jeff Ware Insurance Agency, we can tailor a South Carolina disability insurance policy to fit your individual needs. Many studies say that Americans can have a long-term disability by the age of 65, so this complement to your health insurance is necessary.
An individual disability insurance policy is a good way to cover income losses even with those who have some employer-paid coverage. Typically, disability premiums paid by you are not taxes but employer-paid benefits are. There are 2 types of individual disability insurance policies - long-term and short-term.
Basic ways of disability insurance
- Individual disability income policy
- Social Security disability benefits
- Employer paid benefits