Your ability to earn an income is one of your most valuable assets. But what would happen if an illness or injury prevented you from working for months — or even years? For many families, the loss of a steady paycheck could lead to financial hardship, drained savings, and mounting debt.

Disability insurance is designed to protect your income if you’re unable to work due to a qualifying medical condition. At FFJ Insurance Group, we believe it’s an essential part of a complete financial plan.

What Is Disability Insurance?

Disability insurance pays you a percentage of your pay while you cannot work due to illness, injury or a medical condition. The income replacement can help cover everyday expenses such as:

Mortgage or rent.
Utilities and groceries.
Loan payments.
Medical expenses not covered by your health coverage.

Disability insurance is a safety net designed to help keep you at the same standard of living and meet your financial obligations while you work on your recovery.

Short‑Term vs. Long‑Term Disability Insurance

Disability coverage comes in two main varieties:

Short‑term Disability Insurance – This is limited duration coverage, ranging from a few weeks to six months. Short‑term disability is most frequently used for temporary situations such as a surgical recovery or complications from childbirth.

Long‑term Disability Insurance – Typically this type of coverage lasts for longer durations, often until you recover, reach retirement age, or completely run out of the lifetime maximum benefit period in your policy. This type of policy is important for more severe or permanent disabling situations where you cannot return to work.

Some people choose to have both types of coverage, using short‑term coverage to fill the gap until the long‑term coverage benefits begin.

How Much Coverage Do You Need?

Aim for coverage that replaces 60–70% of your pre-tax income as a general rule. This percentage is intended to keep premiums reasonable while covering necessities of life.

When choosing a policy, take into account:

Your present earnings and outlays.
Any emergency funds or savings that are currently available.
If you have additional sources of income, like investments or a spouse’s salary.

Why Disability Insurance Matters for Everyone

Statistics contradict the widespread belief that disabilities are uncommon. One in four 20-year-olds will become disabled before they reach retirement age, according to the Social Security Administration. Accidents as well as long-term conditions like cancer, arthritis, or heart disease can be the cause.

Without insurance, even a brief period of unemployment can cause significant financial hardship, particularly for households with only one wage earner.

The Advantages of Working With FFJ Insurance Group

Disability policies vary from one another. They may vary in:

Disability Definition: Certain policies pay if you are unable to perform your current job (also known as your “own occupation”), while others require that you be unable to perform any job (also known as your “any occupation”).

Elimination Period: The waiting time before benefits start is known as the elimination period.

Benefit Period: The length of time that benefits will be paid.

In order to assist you in comparing options, comprehending the fine print, and choosing the policy that offers you the best combination of affordability and protection, FFJ Insurance Group collaborates with a number of highly regarded insurers.

Before you need your policy, we take the time to explain how it operates, make sure it fits your lifestyle and income, and make sure you’re completely covered.

Protect Your Income, Protect Your Future

Your income supports every aspect of your financial life, from saving for retirement to paying your bills. Disability insurance guarantees that you can continue to fulfill your responsibilities in the event of an emergency without compromising your long-term objectives.

To talk about your options for disability insurance and to develop a customized plan that protects your income and the future of your family, get in touch with FFJ Insurance Group right now.