Disability Insurance Help In California

Individual disability insurance can provide financial compensation in excess of that which is provided by an employer's long-term disability policy. Most employers' policies only provide a fraction of an employee's salary. Families that only have one source of income may find it prudent to have an individual disability insurance policy. When combined with the employer's long-term disability policy, the level of income they receive can be brought closer to the provider's full salary. In addition to supplementing employers' disability insurance policies, those who are self-employed can benefit from purchasing personal disability insurance policies, as they may not have any other source of stability.

Individual Disability Insurance for the Self-Employed

While considerable freedom comes with being self-employed, such workers often do not have the financial cushions such as sick time and employer-sponsored insurance policies.

• The self-employed can purchase an individual disability policy to ensure that their families are provided for in the event that an illness or injury prevents them from working for the foreseeable future.
• Such personal policies can provide more compensation than that which is available from the Social Security Administration.
• Like those who work for another employer, the self-employed may need to work with specialized attorneys to ensure that their individual insurance claims are honored and that their benefits are not terminated prematurely.

David Allen & Associates Law has California offices in both Stockton and Sacramento. The experienced law firm can provide legal representation in personal injury and disability cases, allowing clients to pursue all avenues of compensation to which they may be entitled.