Planning for the unexpected is the best way to help safeguard your financial security if your regular income is interrupted due to a period of disability resulting from an accident. While medical insurance pays your doctors and hospital, it doesn’t pay you. It may be surprising to learn that nearly 3,000 Americans become disabled every hour and medical bills contributed to 62 percent of all bankruptcies in 2007 even though three quarters of American families filing for bankruptcies were insured.*
Our Income Protection Direct supplemental insurance plan is simple. It pays a monthly cash benefit directly to you for up to 12 or 24 months during times when an accidental injury results in total disability leaving you unable to work. This money can be used for anything you choose. It’s your money, your decision.
Cash Benefits Can Be Used For
Copays or Coinsurances
Rent or Mortgage
Everyday Living Expenses
How Does Income Protection Work?
Step 1: Cover expenses during times of total disability.
Most people insure their possessions but few think to insure their most valuable asset – their income.
Step 2: Submit your claim.
Easily check the status of your claim online 24/7.
Step 3: Receive your cash.
It’s your money, you decide how to use it.
Questions about Income Protection Insurance
Are there any restrictions on how I use the money?
No, you can use the money however you choose. It’s your money, your decision.
Do I have to be employed to purchase an Income Protection Direct plan?
Yes. You must be employed in order to qualify for Income Protection Direct.
Does my money have to be used to pay for medical expenses?
No. You can use the money to pay for anything you choose, from medical deductibles to groceries to mortgage payments. It’s your money, your decision.
How do I receive the money?
If you have a covered accident or illness, you file a claim with SureBridge’s underwriting company, The Chesapeake Life Insurance Company. Once the claim is reviewed and approved, a benefit check will be mailed directly to you.
How is supplemental insurance different than medical insurance?
When you are injured or sick, your medical insurance pays your doctors and hospitals; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses.
Is supplemental insurance expensive?
SureBridge plans provide customizable protection for you and your family to fit any budget. Our policies are designed to fit your budget and fill the gaps to help protect your financial security. Get a quote to find out just how affordable adding supplemental insurance protection can be.
What if I’m totally disabled for less than a full month?
The policy will pay 1/30th of the monthly benefit for each day of a period of total disability that is less than a full month.
Who can I speak with to find out more information?
Call (866) 876-8756 Monday – Friday from 8:00 am through 7:00 pm for more information on SureBridge products.
Why do I need supplemental insurance from SureBridge if I already have medical insurance?
Medical insurance is very important but it is only part of the protection you need. You also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses. Supplemental insurance pays you a cash benefit directly to you to help fill financial gaps.
Will I be paid according to the amount of time I am away from work or according to the cause of my inability to work?
You will be paid depending on the amount of time you cannot work, regardless of the injury or illness causing your absence.
Additional Coverage Options
Let Us Help You Get the Coverage You Need
Combining supplemental insurance from SureBridge with a health insurance plan can provide an extra layer of financial protection to help you feel more comfortable with your insurance coverage.