Disability Insurance: Protecting Your Income When You Can’t Work

Table of Contents

What is Disability Insurance?
Types of Disability Insurance
Benefits of Disability Insurance
What Does Disability Insurance Cover?
How to Choose the Right Disability Insurance
Important Terms in Disability Insurance
Who Should Get Disability Insurance?
How to Apply for Disability Insurance
Frequently Asked Questions (FAQs)
Conclusion

1. What is Disability Insurance?

Disability insurance ek aisi policy hai jo aapke income ko protect karti hai agar aap kisi accident ya illness ki wajah se kaam karne ke qabil nahi rahte. Yeh financial support provide karti hai takay aap apni daily expenses aur bills afford kar saken.

2. Types of Disability Insurance

Disability insurance ki do main qisam hoti hain:

Short-Term Disability Insurance: Temporary disability ke liye limited period ke liye coverage.
Long-Term Disability Insurance: Long-term ya permanent disability ke liye coverage deta hai.

3. Benefits of Disability Insurance

Is insurance ke bohot se faide hain:

Regular income ka source banata hai jab aap kaam nahi kar sakte.
Medical aur rehabilitation expenses cover karta hai.
Financial stress ko kam karta hai.
Aapki family ki financial security maintain karta hai.

4. What Does Disability Insurance Cover?

Disability insurance aam tor par cover karti hai:

Monthly income replacement
Rehabilitation expenses
Partial or total disability coverage
Temporary or permanent disability

5. How to Choose the Right Disability Insurance

Sahi policy choose karne ke liye:

Apni profession aur income ko madde nazar rakhein.
Coverage amount aur benefit period samjhein.
Waiting period aur elimination period check karen.
Premiums aur claim settlement history evaluate karen.

6. Important Terms in Disability Insurance

Kuch important terms:

Elimination Period: Wo duration jisme aap claim nahi kar sakte.
Benefit Period: Kitni der tak aapko payment milegi.
Partial Disability: Jab aap limited tor par kaam kar sakte hain.
Total Disability: Jab aap bilkul kaam karne se qasir hain.

7. Who Should Get Disability Insurance?

Disability insurance un logon ke liye zaroori hai:

Jo physically active jobs karte hain.
Self-employed professionals.
Jo family financially dependent hai.
Those with risky jobs.

8. How to Apply for Disability Insurance

Policy lene ka tareeqa:

Apni needs ke mutabiq plan choose karen.
Application form bharain aur medical tests karwayen (agar zaroorat ho).
Premium pay karen.
Policy documents hasil karen.

9. Frequently Asked Questions (FAQs)

Q1: Disability insurance mein waiting period kya hota hai?
Ye wo waqt hota hai jisme aap claim file nahi kar sakte.

Q2: Kya self-employed log disability insurance le sakte hain?
Ji haan, ye unke liye bohot faidemand hota hai.

Q3: Kya disability insurance mein rehabilitation cover hota hai?
Aksar policies rehabilitation expenses bhi cover karti hain.

10. Conclusion

Disability insurance aapki aur aapke ghar walon ki financial security ke liye bohot zaroori hai. Yeh aapke income ko protect karta hai jab aap kaam nahi kar sakte. Sahi policy lena aur terms samajhna aapko behtareen protection de sakta hai.

Saaaz