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You are disabled (temporarily though) and you don't have much sick leave to your credit. You have to manage the day to day expenses by drawing from your savings. The doctor's bill and expenses on medication are mounting!

Months back you had passively heard an Insurance Inspector explaining to a group of your colleagues about the disability insurance proposals and benefits, but you did not pay much attention to it. The reality of the situation is before you now. You are advised bed-rest for a minimum period of three months; you have received multiple fractures on your right hand!

Destiny plays its part in every suffering that you undergo, but you need to have a practical approach to the realities of life. Normally, short term disability insurance program cover you for 180 days loss of income, due to injury or illness.

When your income source goes abruptly dry, you understand what it is. The food bills, car installment, petrol expenses, mortgage loan installment and even the annual house tax payment are due next month! Due to disability your initiative and enthusiasm are hit hard. You stand on the drawing room gallery and stare at the blank sky.

If you have a disability insurance cover policy with a reputed insurance company, they will handle your claim very promptly. As soon as the unfortunate event happens, just inform the insurance company over the phone and they start processing your claim immediately.

The initial telephonic survey takes about ten minutes. And you are paid the amount due within a matter of days. Their monitoring of your sickness is very helpful. They encourage you to resume duties as soon you are well even before the period of the expiry of the policy. At the same time they pay you benefits up to 100% of your pre-disability income.

When you are disabled, de-spirited and depressed, what you appreciate is sympathetic understanding of your situation and prompt service. The leaders in this sector of insurance are leaders precisely on account of their sterling performance in the service sector.

In the light of the above information if you are inclined to take a disability insurance policy, you can get the latest and correct information and quotation online. It is preferable to take such information through an insurance broker. Their small percentage of commission far outweighs the authentic information they provide to you.

Deal with an established broker and deal with a reputed company. Their premiums may be slightly on the higher side, but there are well-founded reasons for that. Should the unfortunate event happen, you must get your claim and that you must get without any hassles and well in time. After all, this is what disability insurance is all about!