Disability Insurance

Disability Insurance Coverage for Individuals

About 30 percent of all employees suffer a disabling injury in the workplace during their career. Luckily, disability insurance plans protect these employees by covering part of their salary while they’re unable to work.
There are two types of disability insurance:

  1. Short term disability for individuals: Typically pays 40-60% of your salary for 3-6 months
  2. Long term disability for individuals: Typically pays between 50-70% of your previous income if you cannot return to work

Why Sign Up For Individual Disability Insurance?

California requires all employers to offer disability insurance to their employees, but adding individual benefits on top of this can often help those who cannot return to their job recover up to 75 percent of their former income. This is especially important for those who rely on bonuses and commission for a large percentage of their take-home pay. These typically are not covered by group disability benefits, but can be covered under individual policies.

Rely on William J. King & Associates for Disability Insurance Plans in San Diego

William J. King & Associates is dedicated to offering the best individual disability insurance plans for those who want to protect themselves if they become unable to work. With over 40 years of experience and a true understanding of your needs, we can bring you the ideal disability plan for the best possible price.