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When you’re injured and unable to work, two types of insurance may become very important: disability insurance and workers’ compensation. Understanding the differences between them can be a challenge, since what’s covered and what isn’t isn’t always clear. That’s why the professionals at Martin Insurance Team, serving Evergreen Park, IL, are here to answer your questions and help you understand the path to getting coverage. We can provide the information you need to navigate both types of insurance with confidence.
What Is Disability Insurance?
Disability insurance provides coverage for a portion of your income if you’re unable to work. It comes in different forms, including short-term and long-term disability. These two types serve a similar purpose but work differently. Short-term disability usually begins almost immediately and lasts for a shorter period, while long-term disability typically takes longer to kick in but can last much longer. The amount of income your disability coverage replaces depends on your specific policy.
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance can help cover your medical expenses if you’re injured on the job. It’s provided by employers, so if you’re an employee, it’s worth asking your company about their workers’ compensation coverage.
Have Questions? Call Today
If you think you need disability insurance, the team at Martin Insurance Team, serving Evergreen Park, IL, can help. As an independent insurance agency, we can shop around to help you find the right policy. We work with many carriers and can help you choose the best coverage for your needs and budget. Call today to learn more.
