disability & long-term care
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For the Situations we don't See Coming
Though it’s not something any of us like to think about, we all know that anything can happen to us at any time. Whether we’re walking down the street or climbed a ladder in our home to change a lightbulb, the risk is there for an injury that affects our ability to perform normal daily activities of life. Long-term care is enforced immediately to help in this situation and will help cover the costs associated with caregiving, long-term or not.
Should I Really Add Disability Insurance?
The short answer is that there are two types of disability insurance: short-term and long-term. Because there are many variables to consider, this should all be discussed in great detail when purchasing your insurance. However, a short-term disability policy will have a waiting period of zero to 14 days with a maximum benefit of two years; while long-term will have from several weeks to a month-long waiting period, with benefits ranging from a few years to the remainder of your life.
Medicare Supplements? Over 65? On Medicare? We Can Help
- Plan D – Drug Coverage
- Medicare Advantage
- Medicare Advantage plus Prescription Drug
We at M&P Insurance are here to help you understand the ins-and-outs of what this coverage means, and why you should have it. One thing is for sure: you don’t wait until it’s too late.