Disability Insurance

1. What is Disability Insurance and How Can It Benefit You?

Disability insurance is a policy designed to provide financial support if you are unable to work due to illness or injury. At Help2Invest, we understand that your ability to earn income is your most valuable asset, and this insurance ensures you maintain a stream of income when you need it most, especially in critical situations.

2. What is the difference between short-term and long-term disability insurance?

• Short-Term Disability Insurance: This is designed to provide benefits for a temporary period, generally from a few months up to a year, ideal for recoveries from non-permanent injuries or illnesses.
• Long-Term Disability Insurance: Offers coverage for disabilities that last several years or even for life, thus protecting your financial well-being in the long term.

3. How does Help2Invest determine the benefit amount I can receive?

At Help2Invest, the benefit amount is calculated based on your current salary and the severity of your disability. Our experts will provide a personalized consultation to determine your specific financial needs and ensure that the selected coverage appropriately matches your situation.

4. What types of disabilities are covered by disability insurance?

Our disability insurance covers a wide range of conditions that may prevent you from working, including physical or mental illnesses, injuries, and other permanent or temporary disabilities. It is essential to discuss your specific concerns with our associates to ensure adequate coverage.

5. Can I get disability insurance if I am self-employed?

Yes, at Help2Invest, we offer disability insurance solutions for self-employed individuals as well. We understand the importance of protecting your income source, so we provide customized options that cater to the unique needs of independent professionals.

6. How can I file a disability insurance claim with Help2Invest?

Filing a claim with us is a straightforward process. You will need to provide medical documentation certifying your disability and meet the eligibility requirements specified in your policy. Our associates are here to guide you through each step, ensuring you receive the support you need efficiently and compassionately.