An important question to consider is, “What happens to my disability insurance if I medically recover from a disability but my income does not ‘recover’?”
According to the Council for Disability Awareness, the average length of disability for professionals is 82 months. Once someone is no longer medically disabled, most group and even individual disability policies stop paying benefits right away or shortly thereafter.
The problem with this is a person’s income often does not return to its pre-disability level. In some cases it may never return. This is why it’s vital to have what’s called a “long-term recovery benefit” in your disability insurance. A recovery benefit pays benefits to people who return to work but because of their previous disability their income does return to where it was before they were disabled.
To work with a specialist dedicated to making sure you’re covered before, during, and also after a disability, please give us a call or text us at 704-707-5788.
Billy Gwaltney
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