Disability Insurance in Des Moines and Altoona, IA

You may find yourself injured or stricken with an illness at some point in your life. Disability insurance can help cover part of your income if you’re unable to work for an extended time. There are two different types of disability insurance available, depending on your needs. Our agents at The Insurance Station are ready to help you sort through your disability insurance options.  

How Does Disability Insurance Work? 

Disability insurance is an agreement made between the policyholder and the insurer. The policyholder makes monthly payments to the insurance company in exchange for a monthly benefit payout if you suffer a disability that affects your ability to work. To get started with your coverage, reach out to an agent today.  

What Are the Types of Disability Insurance?  

There are two main types of disability insurance available. These policies differ in length and consist of the following:  

• Short-term disability can help pay for lost income of up to two years. Most who choose this policy use it for a few months to a year. 
• Long-term disability can help pay for benefits for several years or until the disability ends.  

The length of coverage you need will depend on your situation and why you are seeking out coverage.  

How Much Does Disability Insurance Cost?  

The cost of disability insurance can vary based upon a few factors, such as:  

• Age
• Gender
• Health history 
• Occupation 
• Annual income
• Location  

The lower your risk of disability is, and the younger you are, the lower your costs typically are.  

Learn More About Disability Insurance 

At The Insurance Station, we’re ready to help you receive the coverage you need to help financially safeguard you from accidents or illness. To get started with disability insurance, connect with an agent today.