Common Misconceptions About Disability Insurance

Disability insurance is a smart way to protect your income, but myths often stop people from getting it. At KP Insurance Solutions, we’ve heard every excuse in the book—and we’re here to bust those misconceptions wide open. Let’s clear up the confusion so you can see why this coverage matters.

Myth 1: “I’m too young to need it.” Nope! Disabilities don’t care about age. The Social Security Administration says 1 in 4 20-somethings will face a disability before retirement. Back pain, car accidents, even stress-related issues can happen anytime. We’ve seen young clients thank their lucky stars for having coverage when the unexpected hit.

Myth 2: “Savings or worker’s comp will cover me.” Think again. Savings disappear fast—$3,000 a month in expenses eats up $36,000 in a year. Worker’s comp only applies to job-related injuries, leaving most disabilities uncovered. Disability insurance steps in for any covered issue, giving you steady income when you need it most.

Myth 3: “It’s too pricey and claims get denied.” Not true! A basic policy can cost as little as $20-$50 a month—cheaper than your coffee habit. And claims? Over 90% get approved with the right policy, per industry stats. At KP Insurance Solutions, we’ll find affordable coverage and guide you through the claims process so you’re never left hanging.