Disability insurance is for everyone. Every day workers can face a lot of risks of getting a disability by illness or accident.
Can you imagine not being able to work or fulfil the daily obligations and responsibilities that you have because of an unexpected disability? Suffering from a sudden illness can change our entire life, and the life of our loved ones.
Though ACC has good cover for loss of income due to accident, there is no disability cover if you are off work because of illness. Without an income, mounting debts can cause additional stress.
Disability Insurance Coverage looks after your lifestyle by protecting your ability to earn. It’s particularly important if you have financial liabilities, such as a mortgage or a personal loan.
Some of the benefits that a Disability Policy offers could be:
Primary Medicines and treatments expenses coverage
Access to health specialists
Therapies (such as rehabilitation)
Financial and Legal Advice
Counselling such as psychiatrist or psychologist consultation for you and your relatives
A lump sum to help modify your home or vehicle, or buy specialist medical equipment
If you are interested on protecting yourself and your family of an unexpected situation, learn more about the different disability coverage plans.
Types of disability cover include:
Agreed Value Income Protection
Indemnity Income Protection