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It’s crucial to have coverage in the unfortunate event of a disabling illness or non-work related injury, yet more than half of U.S. workers lack disability insurance, according to a recent survey conducted by The Hartford.

what is disability insurance

Currently, only 49 percent of U.S. workers have long-term disability insurance, and 46 percent have short-term disability insurance. These totals indicate drops of 6 percent and 3 percent respectively, from last year’s totals, the Insurance Journal reports.

What Is Disability Insurance?

Even more unsettling, only 25 percent of the workers surveyed said they completely understand disability insurance. Just as you insure your home, it’s essential to insure yourself in the event of an illness or injury, as your ability to earn a living and an income is one of your greatest assets. With disability insurance, you ensure that you will receive a percentage of your income if you become disabled because of a non-work related illness or injury.

♦ Only 25 percent of U.S. workers completely understand disability insurance ♦

Considering the emotional and physical burdens that illnesses and injuries inflict upon a disabled person, the last thing he/she would want is a financial struggle as well. Disability insurance protects you from facing this devastating situation, ensuring that you won’t have to worry about paying your bills on top of returning to good health.

Coping with a serious illness or injury is never easy, but it’s important to understand NH disability insurance, and how it can help lessen the pain. At Eaton & Berube, we realize that insurance can seem confusing, so let our team of trusted insurance professionals help you understand NH disability insurance coverage, and find the best policy for you. For more information, please subscribe to our blog or contact us.

To request a free NH disability insurance quote, please fill out and submit our Online Insurance Quote Request Form.