Wellman Shew

In life's journey, we often focus on building a successful career, nurturing relationships, and planning for a secure future. However, amidst our aspirations and daily pursuits, there exists a potential threat that we may overlook – the risk of disability . Long-term disability can have a profound impact on one's ability to earn a living and maintain financial stability. This is where long-term disability insurance plays a crucial role, serving as a financial safety net when unforeseen circumstances arise. Understanding Long-Term Disability Insurance Long-term disability insurance is designed to provide financial protection for individuals who cannot work for an extended period due to a disabling injury or illness. Unlike short-term disability coverage, which typically lasts for a few months, long-term disability insurance offers a more extended coverage period, often up to several years or even until retirement age. Protecting Your Income Your ability to earn an income is a va

When we hear the term "disability," a range of conditions may come to mind, from visible physical impairments to less apparent cognitive or mental health challenges. Disabilities touch the lives of many, directly or indirectly, but what exactly are the conditions that qualify as a disability?  Defining Disability: A Complex Tapestry The definition of disability is broad and multifaceted, encompassing various impairments that can limit one or more major life activities. This definition is inherently complex, as it must cater to a spectrum of conditions that affect individuals uniquely. According to the Americans with Disabilities Act (ADA), a person with a disability is someone who has a physical or mental impairment that substantially limits one or more major life activities, someone who has a history or record of such an impairment, or a person who is perceived by others as having such an impairment. Physical Disabilities: When the Body is Limited Physical disabilities are