Disability Insurance helps maintain your standard of living when a disabling injury or disability strikes.

Anyone that needs their present income to support their current lifestyles should think about disability insurance. Seven out of ten people between the ages of 35 and 65 will become disabled for three months or longer.

Disability policies come with various elimination periods. This is the number of days that you must be disabled before benefits begin.

Disability benefit periods also vary from policy to policy. Benefits periods can range from only a few months to your entire life. It is generally advisable to buy a plan that lasts until age 65, when most people begin receving pensions and Social Security retirement payments.

While disability insurance may sound complicated, the experts at The Stogner Agency can help you sort out the details and find the right coverage for you.