Disability Insurance

An unexpected injury or illness can disrupt daily life and create financial uncertainty. Disability insurance provides income protection by replacing a portion of lost earnings when someone is unable to work due to a covered medical condition. Whether the disability is temporary or long-term, this coverage helps maintain financial stability by covering essential expenses such as housing, utilities, and healthcare.

SOS Financial Solutions, LLC offers disability insurance plans designed to fit individual and business needs. Short-term disability insurance provides benefits for a limited period, typically covering a few months, ensuring financial support during recovery from minor injuries or medical procedures. Long-term disability insurance extends coverage for more severe conditions, offering income replacement for an extended period, sometimes until retirement age.

Many employers provide disability insurance as part of their benefits package, but individual policies offer additional flexibility and personalized coverage. Self-employed professionals, business owners, and those without employer-sponsored benefits can secure independent policies to protect their income and maintain financial security. Customizable plans allow individuals to choose coverage amounts, waiting periods, and benefit durations that align with their lifestyle and financial responsibilities.

For businesses, offering disability insurance as part of employee benefits enhances workplace security and demonstrates a commitment to workforce well-being. Employers can choose between group disability policies or voluntary plans where employees opt in for coverage. Providing this benefit helps attract and retain skilled professionals while minimizing the impact of long-term absences on business operations.

Choosing the right disability insurance ensures continued financial stability during difficult times. SOS Financial Solutions, LLC helps individuals and businesses explore options that offer reliable protection when it’s needed most. Get in touch today to find a disability insurance plan that fits your needs.