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Things You Should Know About Disability Insurance in Scottsdale

Many families rely upon their paychecks and have little saved up to help them in case of a disaster. Disability insurance in Scottsdale can help you replace part of your income if you are no longer able to work as a result of a disability or other illness.

Where Can You Purchase Disability Insurance?

Disability insurance can be purchased through your job. The advantage of work-based disability insurance is that it is convenient to purchase. However, a significant downside of purchasing disability insurance through your job is the fact that it may not transfer with you if you decide to leave your job. Your specific job or industry may also not offer disability insurance in Scottsdale.

What Is the Difference Between Short-Term and Long-term Disability Insurance?

Short-term disability insurance is the type of insurance that you need if you lose your income for a period of six months or less. In contrast, long-term disability insurance kicks in if you are going to be employed longer than six months and can last up until retirement.

Why Can It be Difficult to Qualify for Disability Insurance?

Many disability insurance companies have strict requirements. You must have a solid work history. Your disability must be severe, and you will need to demonstrate a major inability to work in order to qualify. Since disability insurance can be so challenging to qualify for, a qualified disability insurance attorney is usually recommended to make the process go more smoothly. Slepian Ellexson, PLLC are disability insurance attorneys serving the Scottsdale area contact them today.