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Know Your Disability Insurance Options To Protect Your Family

Disability insurance provides income for you and your family in the case you are unable to work because of illness or injury. Although many people think it is unlikely something will happen to them, loss of income can lead to bankruptcy, home foreclosure and other financial troubles.

May is recognized as Disability Insurance Awareness Month. While some employers do offer disability insurance options, more than 70 percent of employers do not offer long-term disability coverage, according to the the U.S. Department of Labor.

Check with your employer to see what options they offer, and if their plan would cover your monthly expenses, or if you need a separate insurance option to keep you and your family financially safe. Be prepared and check with your local and state resources on getting financial aid and insurance before something happens.

Learn all of your options and read a guide to understanding disability insurance.