Disability Insurance replaces income you lose if you have a long-term illness or injury and cannot work. However, disability insurance does not cover the cost of rehabilitation if you are injured. Nevertheless, this is an important type of coverage for working-age people to consider. Some employers offer group disability insurance, so this may be one of the benefits included where you work. If not, you might be eligible for government-sponsored programs that provide disability benefits. Individual policies are also available.

You may be wondering, "When should I buy short term medical
insurance rather than a more permanent plan?"

You should consider short term medical if you are...
	Between Jobs
	A recent college graduate
	A temporary or seasonal employee
	Waiting for employer group coverage
	A dependent coming off a parent's plan
	A laid-off, striking or terminated employee
	A traveler who wants health coverage security abroad

Contact us for a quote. Allow Susan Polk Insurance to help assess your short-term insurance and disability insurance needs. We are here to assist you in determining the right policy for you and, as always, our services are at no cost to you. Just give Steve Polk or Susan Polk a call at (805)544-6454 or (800)242-6454. We can also be reached by email at Susan@susanpolk.com or Steve@susanpolk.com.