While commercials about disability insurance are common, many people are still unclear about the differences between health and disability insurance. Since employees often receive both types of coverage through work, most people don’t shop for coverage independently and may not fully understand their coverage or whether they have adequate protection. If you’re considering health or disability insurance, contact the Maple Mountain Insurance Services team serving Mapleton, UT.<\/p>\n
While both health and disability insurance provide assistance with health-related issues, they function differently. Health insurance covers medical and other treatments for injuries or diseases. Typically, health insurance providers pay care providers directly, not the policyholders.<\/p>\n
Conversely, disability insurance provides cash payments directly to the policyholder to replace income lost due to health issues. Disability payments can be short or long-term, depending on the duration of the income reduction. They can cover a total disability that prevents you from working or a partial disability that limits your ability to perform your previous job duties, with the disability payments making up the difference in pay.<\/p>\n
When considering a disability policy, review the policy details with your agent to ensure you understand the coverage, exclusions, and how disability levels are determined. Generally, disability insurance premiums are 1 to 3% of your income, depending on your occupation and other factors.<\/p>\n
If you live in or near Mapleton, UT, and want to protect yourself and your family from the impact of a disabling injury, call our Maple Mountain Insurance Services team at (801) 396-4900. We’ll help you structure a plan that suits your family’s needs.<\/p>\n","protected":false},"excerpt":{"rendered":"
While commercials about disability insurance are common, many people are still unclear about the differences between health and disability insurance. Since employees often receive both types of coverage through work, most people don’t shop for coverage independently and may not fully understand their coverage or whether they have adequate protection. If you’re considering health or […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[18,17,14,13],"class_list":["post-143","post","type-post","status-publish","format-standard","hentry","category-health-insurance","tag-disability","tag-health","tag-maple-mountain-insurance-services","tag-mapleton-ut"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t