Why Athletic Trainer Disability Insurance?
As an athletic trainer, you can enjoy a rewarding career in any number of environments. You can work with sports teams, in gyms and fitness centers, or even open your own business and serve private clients. Depending on what you choose, you can earn a salary between $26,000 and $53,000 per year. Of course, that income will go to supporting your ability to pay your bills and meet your financial needs.
You’ll have to pay for your mortgage, and your car loan. You’ll likely have at least some student debt that needs to be paid down, as well as credit card debt. You’ll have utility bills. If you own your own business, you will have expenses associated with that. If you become disabled and unable to work, it can spell disaster. Thankfully, you can compare athletic trainer disability insurance quotes to find the protection you need.
Why Do You Need Disability Insurance?
The entire point of comparing athletic trainer disability insurance quotes is to ensure that you can obtain the protection you need against potentially disabling conditions and injuries. As an athletic trainer, you know better than most how easy it can be to injure yourself in such a way that working is impossible.
You could also be injured at home doing routine yard work, or on the way to work. In these cases, your worker’s compensation, your health insurance, and your auto insurance will only provide limited coverage, but what you will need then is a replacement for your lost income. Add to that the rising incidence of serious medical conditions, such as heart disease, diabetes, and cancer. All of those can eliminate your ability to work and earn, but disability insurance protects your financial stability.
How Disability Insurance Works
Athletic Trainer disability insurance protects your income by providing you with a stream of income if you experience a qualifying disability. Your insurer will pay you a percentage of your average monthly income, and you can then use that money to cover your regular monthly costs, from your car insurance and utility bills to your home’s mortgage payment.
You need to make sure you’ve chosen the right athletic trainer disability insurance and that you’re working with the right insurer. That requires an in-depth comparison of several disability insurance providers, something that most people find difficult to do. We can help. We allow you to compare disability insurance quotes from leading US insurers, as well as insurance rates, coverage areas, and more.
How much coverage do you need?
The first step to finding out how much coverage you will need is to determine the minimum amount necessary for your living expenses monthly as opposed to other sources of monthly income without your salary.
The coverage of your disability insurance policy should be close to the difference between the two – your monthly expenses and expected income. It’s the amount that should be replaced by the monthly benefit from your individual disability insurance.
Finding Protection and Choosing Your Insurer
Comparing athletic trainer disability insurance quotes will help ensure that you are able to rely on a stream of income based on your actual annual earnings if and when a disability strikes. However, you must do more than simply compare costs.
When comparing different insurance providers, you need to compare insurer reputations, quality, and history. You need to consider the definition of disability each insurer uses, the optional coverage areas, and a great deal more. We can help you make those comparisons and find the ideal insurance plan.
How Can We Help?
When you come to us for athletic trainer disability insurance, we go to work on your behalf immediately. We work with leading insurance professionals throughout the country to make sure you find the coverage you need. With us, you can:
- Review rates from some of the leading providers of individual disability insurance throughout the US.
- Get quotes from all major insurers in the US that currently offer disability insurance products in your specific geographic area.
- Learn about your options when it comes to athletic trainer disability insurance and how it can benefit you in the event that you’re injured and unable to work.
Buy a Disability Insurance Policy While You’re Young
Disability insurance policies are priced based on the risk of you becoming disabled. If you’re at a higher risk, you will pay more and one of the primary factors that contribute to higher risk is age. You can protect yourself and your valuable income by purchasing athletic trainer disability insurance today. Each year you age is more money you’ll be paying out each month or year in premiums.
Look for Unisex Rates
In general, women pay higher disability insurance rates than men as women are more likely to develop a disability that prevents them from being able to work full time. Rheumatism and arthritis are the most common disabilities women encounter, followed by cancer, heart disease, mental health, and diabetes.
Losing the ability to produce income can be devastating for both men and women, which only highlights the importance of having athletic trainer disability insurance. However, it’s also important to find an insurer that will offer unisex rates and not discriminate against you. That’s what we’re here to do.
We Will Guide You
In one survey, 45% of people who have individual disability insurance didn’t know what their policy’s definition of disability is. More than one half of them didn’t know what percentage of their salary they would receive if they were injured and almost two-thirds of participants had postponed buying coverage so they could further study their options.
Our goal is to ensure that you’re able to make an informed decision and obtain the disability insurance you need for peace of mind. We will work with you to make sure you are involved in every step of the process and understand everything about your insurance policy before signing your name on the dotted line.
Call us today at 1-877-221-6198 or use the form on this page to request a no-obligation quote.