Accident or disability plans are crucial for individuals not working for large companies or self-employed individuals. These plans, known as accidental death and dismemberment (AD&D) policies, pay claims if you die or lose body parts due to an accident or injury. Some companies may offer an accident disability insurance rider, allowing claims if you cannot work due to an accident.
Dental insurance covers routine dental check-ups and cleanings, helping you maintain good oral hygiene and prevent potential issues.
From fillings to crowns, dental insurance provides coverage for a range of restorative treatments, ensuring that your dental health is restored and maintained.
Dental insurance often includes coverage for preventive services like fluoride treatments and dental sealants, helping you prevent dental problems before they arise.
Disability insurance provides income to policyholders who are unable to work due to a disability. If you’re prevented from earning an income because of illness or injury, disability insurance helps replace lost wages. In the United States, individuals can obtain disability insurance through the Social Security System1. Private disability insurance is also available, offering additional coverage beyond government programs