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--Protect What Matters Most--
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Accident & Disability Insurance
Protect Your Income When Life Takes an Unexpected Turn
What Is Accident Insurance?
Life can change in an instant.
An accident, injury, or illness could affect your ability to work and create unexpected financial stress. While you can't always predict what will happen, you can explore ways to help protect yourself, your income, and the people who depend on you.
At Empire Core & Legacy, we help individuals and families explore Accident and Disability Insurance options designed to provide financial support when unexpected events disrupt your life.
Protect Your Income. Protect Your Family. Protect Your Future.
Accident insurance is designed to provide cash benefits for certain covered accidents and injuries.
Depending on the policy, benefits may be available for qualifying events such as:
•Emergency room visits
•Ambulance services
•Hospital stays
•Fractures
•Dislocations
•Diagnostic testing
•Surgery
•Follow-up care
•Physical therapy
•Other covered accident-related expenses
Benefits are subject to the terms, conditions, limitations, and exclusions of the policy.
Depending on the policy, benefit payments may help you manage both medical and everyday expenses while you focus on recovery.
What Is Disability Insurance?
Your ability to earn an income may be one of your most valuable financial assets.
But what would happen if an illness or injury prevented you from working?
Disability insurance is designed to help replace a portion of your income if you become disabled and meet the policy's definition and eligibility requirements.
Depending on the type of coverage, disability insurance may help provide income for:
•A short period of time
•An extended period of time
•A qualifying illness
•A qualifying injury
•A covered disability
Your Bills Don't Stop Just Because Your Paycheck Does..
Your ability to earn an income may be one of your most valuable financial assets.
But what would happen if an illness or injury prevented you from working?
Disability insurance is designed to help replace a portion of your income if you become disabled and meet the policy's definition and eligibility requirements.
Depending on the type of coverage, disability insurance may help provide income for:
•A short period of time
•An extended period of time
•A qualifying illness
•A qualifying injury
•A covered disability
Your Bills Don't Stop Just Because Your Paycheck Does.
Your Bills Don't Stop Just Because Your Paycheck Does.
An unexpected injury or illness can affect more than your health.
It can affect your:
•Income
•Savings
•Household bills
•Rent or mortgage payments
•Transportation
•Groceries
•Family responsibilities
•Financial goals
Having the right protection may help reduce the financial pressure that can come with an unexpected event.
How Accident Insurance May Help
Every family is different.
Depending on your financial goals, Accident insurance may provide cash benefits for qualifying covered accidents.
The benefit can potentially help you manage expenses such as:
🏥 Medical Costs
Help with eligible out-of-pocket expenses that may result from a covered accident.
💳 Everyday Bills
Depending on the policy and benefit payment, cash benefits may be used to help manage everyday expenses.
🚗 Transportation
Unexpected accidents may create additional transportation or travel expenses.
🛒 Household Expenses
A benefit payment may help provide financial flexibility while you focus on recovery.
The actual use of benefits depends on the policy terms and applicable restrictions.
How Disability Insurance May Help
Disability insurance is focused on helping protect your income.
Depending on the policy and eligibility requirements, disability benefits may help replace a portion of your income if you are unable to work because of a qualifying disability.
That income may help you continue managing important financial responsibilities such as:
•Rent or mortgage payments
•Utilities
•Groceries
•Transportation
•Childcare
•Debt payments
•Insurance premiums
•Other everyday expenses
Your Income Helps Support Your Life. Consider Protecting It.
Who Can Benefit?
Accident and disability protection may be worth exploring if you are:
•An employee
•Self-employed
•A business owner
•A parent or caregiver
•The primary income earner in your household
•Concerned about losing income due to illness or injury
•Looking to supplement existing workplace benefits
•Building a stronger financial protection strategy
Questions to Ask Yourself
❓ If I couldn't work for three months, how would I pay my bills?
❓ How much do I currently have in emergency savings?
❓ Would my employer continue paying me if I became disabled?
❓ Could my family maintain our current lifestyle without my income?
❓ What would happen if an accident created unexpected expenses?
❓ Do I have enough financial protection outside of my health insurance?
❓ If something happened tomorrow, would I be financially prepared?
If you're unsure of the answers, now may be a good time to explore your options.
What We'll Discuss During Your Consultation
During your consultation, we'll take the time to understand your situation and the type of protection you may want to explore.
We may discuss:
•Your current income
•Your occupation
•Your existing employer benefits
•Your monthly financial responsibilities
•Your emergency savings
•Your family and dependents
•Your concerns about illness or injury
•Accident insurance options
•Short-term disability options
•Long-term disability options
•Other supplemental insurance options
The Goal Is to Help You Prepare Before You Need the Protection.
Frequently Asked Questions
Does health insurance cover everything after an accident?
Not necessarily. Health insurance coverage depends on your plan and may include deductibles, copayments, coinsurance, exclusions, and other out-of-pocket expenses.
Accident insurance is a separate type of coverage that may provide benefits for qualifying covered accidents.
Can I get disability insurance if I already have coverage through work?
Possibly. Some individuals explore additional coverage to supplement employer-provided benefits. Eligibility and available options depend on the policy and your individual circumstances.
How much income can disability insurance replace?
The amount depends on the policy, your income, benefit limits, and eligibility requirements. Disability insurance generally replaces only a portion of eligible income.
Can self-employed individuals get disability insurance?
Self-employed individuals may have disability insurance options available depending on their occupation, income, health, and eligibility.
Does accident insurance cover illness?
Accident insurance and illness coverage generally address different types of events. Covered benefits depend on the specific policy.
