Disability Insurance

Image of Hospital Waiting Room - Terry Hayes Insurance - Sacramento Disability Insurance

Disability income may be of the most important coverage for you and your family. We will give you the money to keep the house going, pay the bills, put food on the table, and allow you the time to get well without the burden of going back to work too soon. Statistics show that people with disability income insurance recover from illness and accident faster, because we give them the time that they need.

Disability insurance replaces income you lose if you have a long-term illness or injury and cannot work. This is an important type of coverage for working-age people to consider. Disability insurance does not cover the cost of rehabilitation if you are injured.

Image of Man in Hospital with Nurse - Terry Hayes Insurance - Sacramento Disability Insurance

Long-term disability income insurance helps you pay living expenses while you are unable to work.

It offers paycheck protection providing cash directly to you for spending on mortgage payments or rent, groceries, utility bills, car payments, or whatever else you choose. A policy also can pay for training or other assistance you may need to return to work.

The U.S. Census Bureau estimates that you have a one in five chance of becoming disabled. Also, the average long-term disability (LTD) absence from work lasts 2.5 years, according to the Council for Disability Awareness (CDA).

Becoming disabled can have devastating financial implications by stripping you of your ability to make a living. While some people can get by without working for a few months by tapping into their savings, few people can afford to stop working altogether for an extended period of time.

We all hope we are never faced with a situation where we can't work.

If, however, you are faced with a long term illness, Disability Insurance can make your recovery easier and less stressful. You insure your home, auto, collectibles, boat, but not your paycheck. Where will your money come from if you can't work due to an illness or accident? We proudly serve the Sacramento, Roseville, Orangevale and Folsom areas.

Terry Hayes Insurance Agency
CA Lic# - 0D62017      9266 Madison Avenue, Orangevale, CA 95662       Phone 916-988-2402