The Importance of Having a Disability and Long Term Care Insurance Plan
Have you lost the ability of earning an income which has affected your lifestyle too? A serious illness or an accident could have left you in such a situation. It is here where we can prove handy. At PR Insurance Solutions we offer a wide range of disability insurance and long term care insurance policies to help replace your lost income. The areas that we serve include Dallas, Houston and Fort Worth, TX.
Types of Insurance that we offer
Our policies are categorized into two parts namely,
- STD or Short Term Disability- When an employee does not have the capacity of doing work because of a qualifying disability (injury or illness) our short term disability plans will help provide them with income payments to start after a certain waiting period and continue paying him/her till they recover. This period covers sometime between 1 month to 2 years resting on the policy type
- LTD or Long Term Disability- When an employee does not have the capacity of doing work because of a qualifying disability (injury or illness) our long term disability plans will help provide them with income payments to start after 3 months of waiting period. This however can be much longer resting on the policy yet will continue paying him/her far longer compared to short term disability plans. It can be for some years, till 65 years of age or it can even be for life
Often finding the perfect insurance cover can be complex, time consuming and stressful. At PR Insurance Solutions the staffs will offer you the needed information and guidance for streamlining the process, offering solutions and not merely products. They will look for alternatives to help you manage your cost benefit and offer choices that are ideal for you. It is our goal in delivering the best package available. The experts will help in tackling the communication challenges and implementation leading in a smooth and hassle-free transition. Contact us to schedule a consultation today. We offer different plans which can help you in preserving your income, whether you or your closed one has become disabled. These have been designed to suit your income level, occupation and other factors.
