You will need more disability insurance coverage to provide the income you need to continue living if you can’t work due to a disabling injury or illness.

If you do have group disability insurance coverage through work, you will want to understand the disability coverage you have at work is  portable.  This means you will not be able to continue coverage if you were to leave, and you want to be sure that no matter where you go you have disability insurance coverage to protect your income.

You will want an individual disability policy that works in conjunction with your group disability insurance plan that your organization provides. There is a limit on how much disability insurance will pay should you have a claim so you want to be sure that your personal disability plan provides the maximum allowable benefit.  Decision Tree Financial will work with your employers human resources department to design a disability insurance plan the wraps around any existing coverage that you have to provide you with the right amount of coverage.