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Educational Resources from Antrim Agents
Explore our comprehensive collection of educational articles designed to help you understand various insurance options and make informed decisions about your health coverage. These resources provide clear explanations of important insurance concepts to support your healthcare planning journey.
Understanding Critical Illness Insurance
Financial Safety Net
Critical illness insurance provides a lump-sum benefit upon diagnosis of specific serious illnesses, offering crucial financial support during challenging times when you need it most.
Coverage Highlights
Commonly covers conditions like heart attacks, strokes, and certain types of cancer. The payment helps offset costs not covered by traditional health insurance, including deductibles and non-medical expenses.
Peace of Mind
With critical illness coverage, you can focus on recovery without the added stress of financial burdens. Review policy terms carefully to ensure alignment with your individual needs and adequate protection.
Understanding Accident Insurance

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Supplemental Protection
Works alongside your regular health insurance

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Direct Benefits
Paid directly to you, not medical providers

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Flexible Usage
Cover deductibles, copays, or non-medical costs

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Family Coverage
Can extend to spouse and children
Accident insurance provides financial support when unexpected injuries occur. While your standard health insurance covers a portion of medical costs, accident insurance helps with additional expenses like deductibles, medical equipment, and even non-medical costs such as transportation or childcare.
Typically available through employer benefits and conveniently paid through payroll deductions, this supplemental coverage offers specific benefits for injuries and treatments resulting from covered accidents. The lump-sum payment helps ensure financial stability during recovery.
Understanding Disability Insurance
Importance of Coverage
Over one in four 20-year-olds will experience a disability before reaching retirement age, making disability insurance a crucial safety net for protecting your income.
Short-Term Disability
Typically covers 60-70% of your base salary for a few months up to a year, with benefits beginning after a brief waiting period following the disability.
Long-Term Disability
Replaces 40-60% of your income and can extend benefits until the disability ends or you reach retirement age, usually after a 90-day waiting period.
Disability insurance safeguards your financial stability by replacing a portion of your income if you're unable to work due to illness or injury. Employer-sponsored coverage often provides limited benefits, so it's important to assess whether additional individual policies are necessary to maintain your standard of living during unforeseen circumstances.