Heritage Financial Website: https://www.heritagefinancialaz.com/

In part 2 of this series, Adam Miller of Heritage Financial Strategies welcomes back Disability Insurance expert Brock Falconer. 

There are other ways of being covered for a disability, including group plans through your employer and through social security.  Brock explains the advantages to having these plans, but also their limitations.  For example, social security claims -when approved, can often take 2 years.  And if you have DI through your employer, that won't come with you when you leave that job. - These are some of the reasons why it's advantageous to have your own individual DI plan. 

Also, you may need to file a partial claim.  For example, you might not be completely disabled, but you might only be able to work 4 hours out of a typical 8 hour day.  DI can come in handy in this situation as well.

Brock also explains the benefits of underwriting a disability insurance claim when you're younger.

Finally, know that Adam, Shanna Tingom, and the team at Heritage Financial can help you review all of your coverages.  If necessary, they can work with resources like Brock to make sure you are adequately taken care of in the case of the unexpected.