Disability Services

Protect Your Cash Flow When You Can’t Work

You might think if you have a comprehensive health insurance policy that you don’t need a disability policy. But, unless your coverage specifically pays for disability income – and most don’t – you should consider taking out a disability policy.


Because if you’re injured or become sick and can’t work, you won’t receive income from your job – unless you were hurt at work and are receiving Workers’ Compensation benefits. And, yet, the bills still need to be paid, including your mortgage, utilities, car payments, and credit cards. Beyond that, your disability may increase your expenses as you try to cope with your injury or illness.

Disabilities occur more often than you realize. In fact, over 20% of the American work force will be forced to miss work due to a disability during their careers.

Think about it: Your income is usually your biggest asset. How long you could survive without it? Even if you have a comfortable amount of savings, would you really want to use part or much of that up dealing with your disability – and face the emotional stress of doing so?

Disability policies come in two basic forms, short-term and long-term. Each provides a cash flow that can help replace your lost income and allow you to stay on track financially while you’re recovering. Policies differ widely – even within a classification – in terms of what they cover, how much they’ll pay, how long they’ll pay, and how they define a disability.

Because of the number of people who will experience a disability at some point and the potentially devastating impact it can have, these policies can play a vital role in a sound financial plan. However, due to the complexities of these plans, it’s a good idea to consult with a qualified insurance professional who can plainly explain the strengths and limitations of each plan.

Let Emerging Insurance Brokerage find the disability insurance protection that’s right for your situation.

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Noori Insurance Agency, Inc.
DBA: Emerging Insurance Brokerage Services

37371 Fremont Blvd Ste B.
Fremont CA 94536

tel 510-796-4929
fax 510-796-4928