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Comprehensive Long-Term Disability Insurance with Hecht-Stout Insurance Agency

Protecting Your Income in Dunlap Against Severe Illnesses and Injuries

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Hecht-Stout Insurance Agency/ long term disability insurance

Understanding Long-Term Disability Insurance with Hecht-Stout Insurance Agency

Long-term disability insurance replaces part of your monthly income if a severe injury or illness prevents you from working. That way, you can stay on track with your finances while focusing on your recovery.

What is Long-Term Disability Insurance?

Long-term disability insurance offers income protection for severe injuries and illnesses that keep you out of work for three months or more. This includes permanent disabilities that prevent you from returning to work. This coverage is a wise investment for healthy, employed individuals looking to secure their financial future. You can obtain this insurance individually, as a group, or both.

Coverage Details of Long-Term Disability Insurance

Long-term disability insurance covers injuries and illnesses whether they occur on or off the job. Common conditions covered include:

Sprains and strains
Heart attack
Stroke
Coronary artery disease
Back pain
Scoliosis
Pneumonia
Pregnancy complications
Rheumatism

Cost of Long-Term Disability Insurance

The amount of your policy benefit determines your disability payout amount. Typically, the benefit is a percentage of your income, generally ranging from 60% to 80%. Additionally, many policies cover the income lost if you need to take a lower-paying job due to an injury or illness.

Making an Informed Decision
Understanding the workings of long-term disability insurance is crucial before making a decision. With comprehensive guidance from Hecht-Stout Insurance Agency in Dunlap, you can make informed financial choices and ensure a comfortable life in case you ever need these benefits. For more information, contact us today.

Contact Hecht-Stout Insurance Agency in Illinois for more information on Long-Term Disability Insurance.

Already have Long-Term Disability Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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