Deal with a reputable agent when it comes to disability and long term care insurance
If you become disabled and unable to work, you still need to pay the bills and you still need an income. Disability insurance will pay your bills when you are unable to work due to serious injury or some other condition. PRS insurance specializes in disability cover and long term care insurance. They can help you with proper disability and long term care insurance in Dallas, Houston, Richardson, Addison or Fort Worth, TX.
What would happen to you if an accident or some illness rendered you disabled and unable to work. How would you pay the mortgage, the car, the groceries, the kids’ education, let alone saving for retirement?
Now you may have some short term fall backs such as employer coverage. You may even have some saving you can fall back on for a while, but how long will that last? Social security is also problematic as you can only collect after 5 months of disability and only if your disability is expected to last for at least 12 months. Can you wait that long and will social security be enough?
Disability insurance is the best way to protect you and your family against the hardships caused by a disabling condition or accident. A disability income policy will pay you monthly income in the event that you become disabled, whether temporary or long-term.
You may also need long-term care and that will involve medical expenses, home health care, respite care and assisted living. Long term care is expensive. Long term care insurance is the best way to protect your financial interests in the event that you may need long-term care.
When shopping around for disability insurance and long term care insurance, it is better to deal with a reputable independent agent. That way you can avoid scams and costly mistakes.