How To Know If You Need Disability Insurance

The agents at Stonewall Grace Insurance know that the idea of becoming disabled and no longer being able to provide for you or your family financially is a big concern for Buena Vista, VA residents. Fortunately, disability insurance is a great way to protect yourself. But how do you know if you need it? 

You Have Dependents  

If you have loved ones who depend on the money you earn, like a spouse or children, you should have a disability insurance plan in place. This means that if you get sick or injured and can’t work anymore, the insurance will replace a portion of your income. 

You Live Alone  

You should also consider disability insurance if you live alone and have few to no other resources besides your own income. If you’re hurt or become ill and don’t have anyone else to rely on, you could end up with even more significant problems like losing your housing. 

You Work A High-Risk Job 

People who have jobs in high-risk fields like construction, roofing, or law enforcement are more likely to become disabled than people who work in offices or retail establishments. Disability can occur for any reason, but individuals who work in industries that have high injury and mortality rates also have a higher rate of becoming temporarily or permanently disabled. 

If you wait to get disability insurance in Buena Vista, VA, there might be a time when it’s too late, and you need coverage you can’t find. Stonewall Grace Insurance can help. Contact us today to learn more about how you can protect your family and yourself from financial strain if the worst happens and you or a loved one can no longer work a job.