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Comprehensive Long-Term Disability Insurance with Marlow Campbell Insurance Group

Protecting Your Income in Apex Against Severe Illnesses and Injuries

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Marlow Campbell Insurance Group/ long term disability insurance

Understanding Long-Term Disability Insurance with Marlow Campbell Insurance Group

Long-term disability insurance provides a safety net by replacing a portion of your monthly income if a major injury or illness prevents you from working. This coverage allows you to manage your finances while concentrating on your recovery.

What is Long-Term Disability Insurance?

Long-term disability insurance offers income protection for severe injuries and illnesses that keep you out of work for three months or more. This includes permanent disabilities that prevent you from returning to work. This coverage is a wise investment for healthy, employed individuals looking to secure their financial future. You can obtain this insurance individually, as a group, or both.

Coverage Details of Long-Term Disability Insurance

Long-term disability insurance covers injuries and illnesses whether they occur on or off the job. Common conditions covered include:

  • Sprains and strains
  • Heart attack
  • Stroke
  • Coronary artery disease
  • Back pain
  • Scoliosis
  • Pneumonia
  • Pregnancy complications
  • Rheumatism

Cost of Long-Term Disability Insurance

The amount of your policy benefit determines your disability payout amount. Typically, the benefit is a percentage of your income, generally ranging from 60% to 80%. Additionally, many policies cover the income lost if you need to take a lower-paying job due to an injury or illness.

Making an Informed Decision

Understanding the workings of long-term disability insurance is crucial before making a decision. With comprehensive guidance from Marlow Campbell Insurance Group in Apex, you can make informed financial choices and ensure a comfortable life in case you ever need these benefits. For more information, contact us today.

Contact Marlow Campbell Insurance Group in North Carolina for more information on Long-Term Disability Insurance.

Already have Long-Term Disability Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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