Disability Insurance Leads Norfolk Virginia VA

Reader’s Question:

My work as a civil engineer in Norfolk Virginia VA requires me to visit construction sites every so often. While I feel perfectly safe onsite and make sure that I follow all the safety guidelines, I recognize the fact that accidents happen all the time on site. I want to make sure that my family and I can continue to live comfortably in case an accident renders me physically unable to continue to work. Can you advise me on this, please?

Sophia

Norfolk, VA

Thank you for that question, Sophia. Wise you are, and practical, to plan for the unexpected. Most folks simply refuse to consider the possibility of becoming disabled but, as I hope you do agree, we must take measures to ensure our own and our family’s safety and security in case of unfortunate events. It would be interesting to note that statistics say 30 percent of Americans become disabled for some time before they turn 65. Such disabilities may prevent them from working; hence, posing a serious problem to the disabled worker’s family.

It should be interesting to note the differences between the two typical disability insurances, specifically, the insurance provided by social security and the group disability insurance provided by your employer. Both types are limited in that the family’s lifestyle is drastically affected in the event of disability. A quick review of the available disability insurance terms and conditions may be helpful. Just type in your zip code in the blank box provided and you can view and compare offers from different insurers, specifically Norfolk Virginia VA.

You may also want to verify with your employer in Norfolk Virginia VA whether the company provides group disability insurance. Typically, this amounts to about half of the monthly salary, usually excluding commissions and bonuses.

If you feel that such amount will not be sufficient to support you and your family, I suggest you look into possible supplemental or flexible insurances to complement your existing insurance.

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