Disability Insurance

There are few things more valuable than your ability to earn an income. Why, then, do so many people choose to ignore the possibility that a disabling condition may one day impair their capacity to work?

Primary income earners can greatly benefit from purchasing disability income insurance. A good disability policy can assure the maintenance of your lifestyle, including your bills and mortgage, in case of illness or injury.

Types of Disability Insurance

Short-term disability insurance can replace income during the initial disability period. This may range anywhere from a few weeks to a few years, and plans are sometimes accompanied by a waiting period.

If a short-term disability plan is of interest to you, we will locate a plan that can offer you adequate, temporary security when you need it most.

Long-term disability insurance is meant to replace a portion of income for an extended period; typically, this is for up to five years or more. In some plans, income can be replaced until the insured reaches legal retirement age.

Obviously, long-range benefit plans are more expensive; additionally, their waiting periods may vary more significantly.

No matter which type of disability insurance you desire to purchase, OC Health Insurance will aim to offer you a plan that can provide you with maximum peace of mind.