Disability Insurance

Not being able to work because you have a disability is no laughing matter. No one understands this more than the professionals at SOGO. We have helped many clients protect themselves and their families with disability insurance. Disability insurance includes protection from the following incidents:

  • Paid Sick Leave
  • Short-Term Disability
  • Long-Term Disability

We strongly believe that Social Security disability benefits may not be enough to protect your families way of life.. You and your family shouldn’t have to suffer needlessly. Here are some things that you need to consider when searching for the right disability insurance:

  • Does my insurance provide enough money to provide for my family?Your family should be the first thing you think of when you apply for disability insurance. The money that you gain from an insurance claim should be enough to provide anything your family might need while you can’t earn an income.
  • How easy is it to place an insurance claim? Make sure that you know how long, on average, it takes for your insurance company to process a disability claim. Don’t settle for an insurance company that has a bad track record when it comes to claims. Your family shouldn’t have to depend on an unreliable insurance company.
  • Does my Disability Insurance provide benefits for short-term and long-term disabilities? You need to consider the possibility that you will be unable to work for long periods of time if you have a current disability or you work in a dangerous atmosphere. Even if you don’t anticipate having to leave work for a long period of time, it’s still better to be prepared.
  • Is my current disability covered under my insurance?If you have an existing disability, you need to take extra care to find an insurance company that will cover you. Depending on your disability, some companies might consider you a high-risk client. It’s worth going the extra mile to make sure that you and your family will be protected if you are ever forced to take time off of work.

If you are still unsure whether you need disability insurance, just think about how you will provide for your family if something happens to you. Are you the only income provider? Do you bring in the majority of your family’s income? Do you work at a dangerous job or are you considered a high-risk client?

If you answered yes to any of these questions, or if you have any questions of your own, don’t hesitate to contact the professionals at SOGO. We will be more than happy to help you find the right disability insurance for you and your family.