Carson City Real Estate - Carson City Income and Disability Insurance

Let's say you work for a company that has excellent benefits and a great insurance health package too. Unfortunately, your health care provider from your employment does not cover income and disability insurance.

If you are hurt on the job in some type of industrial accident then you are covered by workmen's comp insurance. But what happens if you are hurt outside of work? What if you are hit by a hit and run driver on your bicycle or you fall off your roof or any number of back breaking events?

Well, without being able to work you will run through your sick-time and vacation time pretty quickly and then be without any income to pay your bills, make your mortgage payments or buy food. We often hear about this happening to others, but what if this were to happen to you?

What would or could you do? Without disability and income insurance you will not be able to live and with such a grave injury you cannot work. Income and disability insurance essentially gives you an income if you become disabled or gravely injured and cannot work, saving you from sure financial ruin.

If you have a full-time job and make a decent living, what will do if you cannot work; you could start a little website business, but in doing so it might take months to see any revenue. Of course, like any type of insurance you need to read the small print if you decide to buy disability insurance.

Some income disability policies may only offer 50% of your income if you are disabled, but there are some insurance companies that have policies of up to 80%. You may also have the option of choosing a delay period, this is the period of time from when you are first deemed disabled until the time that the insurance will kick in, most policies are the standard 30-days, but there are also; 60, 90, 120, 180 days.

There are many coverage issues and pricing or premium costs that go along with such policies so it makes a lot of sense to read the policy carefully and get the advice of a competent, licensed and registered insurance agent in your state.

Carson City residents enjoy many activities throughout the year including concerts downtown, Rendezvous Days, Nevada Day Parade, Carson City Real Estate and Farmers Markets to name a few. There are a variety of neighborhoods from Historic/ Victorian homes, Custom Homes, Tract Developments, Manufactured Homes and also Commercial, Industrial, Office & Retail locations. Carson City has a population of approximately 56,000, but still has a small town feel.