Florida Disability Insurance - Individuals

Individual disability insurance can replace a portion of your income in the event of an injury or sickness. Statistics show that 43 percent of all individuals over the age of 40 will some time in their life have a long term disability before the age of 65 lasting 90 days or longer.

One misconception about disability insurance is that it only will cover an injury, when in fact it also covers illnesses, that could leave you unable to work for a long periods of time, such as cancer.

Which type of DI policy is best for you?

A short term policy will have between a 0 to 30 day elimination period (this is the time you wait before the benefits begin) plus 6 months to 1 year of paid benefits depending on the policies terms. Short term coverage can pay the benefits while waiting for the long term policies benefits to begin.

The long term DI policies are designed to begin paying benefits after a period of time such as 30, 60, 90, 180 or even 365 days and will pay you benefits for periods of 2 years, 5 years, or till age 65 depending on the amount of protection that you have chosen.

Both the short term and long term policy or a combination of both of them can be customized to fit your situation and budget. So considering the importance of DI for your financial well being it is important to talk with an expert at Florida Affordable Insurance who can design the right plan for you. Don't put off having the protection you need because you thought you couldn't afford the coverage. Call today or take a minute to fill out the form on the left side of the page and an agent will get back to you shortly.

• Disability Insurance Individual
• Disability Insurance Group