Texas insurance expert says getting disability insurance while healthy is a smart move

Sept. 24, 2012 - PRLog -- Texas insurance expert, Frank Hursh says anyone who is currently healthy and able to work should consider purchasing disability insurance to protect against unforeseen injuries.

Hursh, owner of Katy, Texas based Insurance Agency Texas (http://www.insuranceagencytexas.com) has been in the insurance agency business for over 20 years.

He said in his office earlier today that waiting until an injury or accident occurs before purchasing liability insurance could prove costly.

“Usually when we sit down with our customers and explain to them why they need to purchase disability insurance now even when they are healthy, most of them have a hard time understanding it. The truth is that the best time to buy disability insurance is when you are health,” he said.

Hursh said that workers who wait until they suffer debilitating injuries almost always find out that no insurance companies will insure them.

The Katy, Texas insurance agency owner said the best way to get disability insurance is through employers.

“Most employers offer disability insurance to their employees. Sometimes though, you might find that the company you work for does not. In that situation, the smart thing to do is to purchase a policy yourself. Doing so protects you and your family against losses due to injuries,” he said.

He said most consumers do not understand the purpose of disability insurance.
"Disability insurance covers earnings if you are unable to work because of an illness or injury. It may not provide your full current income, but can offer enough financial stability so that you can continue to pay your bills and support yourself and your family,” Hursh added.

He added that there are two types of disability insurance and consumers should do their research to ensure they are buying the right policy for their needs.

“There is the short-term disability insurance and long-term disability insurance. Short-term disability insurance generally covers periods of up to two years. Long-term disability insurance benefits vary from a few years to lifelong coverage.  Both short-term and long-term disability insurance have waiting periods which can range from a day to two weeks for short-term, and up to several months for long term insurance policies,” Hursh added.

In Katy, Sugar Land, Richmond, Rosenberg, Houston, Pearland, Brookshire, Fulshear and nearby cities, Insurance Agency Texas is available to answer all your disability insurance questions at 281-398-1010 or through the website at http://www.insuranceagencytexas.com/contactus.html.