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In case you have disability insurance through your occupation you may wonder why you'd need more disability coverage. While having coverage through work is great it may end up falling short and leaving you empty handed. Usually disability insurance which you get through work only covers about sixty percent of your salary. Which is excellent except for the fact that you will not be receiving just sixty percent of your invoices while you are injured and out of work. Many Americans use way greater than sixty percent of the salary to survive; if you happen to be among those then you might want to get some additional disability coverage to protect yourself and your family. Employer Disability insurance is often capped at five to ten thousand dollars a month. For many Americans that is more than enough and five will never attain the caps. But a lot of hard working Americans in major cities will find themselves living on reasonable less than they are used to should they get injured. If you're feel these limits will keep you from keeping up your lifestyle, you then want to get some good individual disability insurance to ensure you're taken care of you get injured. Accidents occur and whatever profession you are in you could get injured and not be able to provide for yourself. Regardless of how much you really are making per a year or how financially safe you believe you should get individual disability insurance. Even though you may believe that you are protected by your company insurance that cash can run out quickly and hence you must get your own insurance at the same time. For more take a look at Vergleichen Sie auf dem PKV-Tarifportal. |