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The Hispanic American Financial Experience - Prudential

Protecting yourself in the event of a disability

What would happen if you could no longer work because of an injury or illness? Could you continue to make rent or mortgage payments or take care of other monthly expenses?

With long-term disability income insurance, you can replace a portion of your earned income in the event you become disabled.

Before you investigate an individual disability income policy, find out if you can get long-term disability income insurance through your company or an organization, such as a union. Even if you can, you may want to purchase additional insurance to replace more of your income.

Individual disability income insurance varies based on the insurance company and the state you live in, so you should speak with a financial professional, who can outline your options and give you specific details, including how much it costs, benefit period, and amount of benefit payments you'd receive if you became disabled.

Life is so busy that it's easy to overlook the importance of disability income insurance. But ensuring you have enough money to provide for your family or supplement your spouse's income is something you shouldn't put off doing.

The Prudential Insurance Company of America and its affiliates Newark, NJ

Prudential Financial, its affiliates, and their financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances.