Disability insurance can help replace lost income if a stroke survivor cannot work.
Although stroke is most prevalent in adults over the age of 65, it can impact at any age. For stroke survivors, the road to recovery may be long, but the proper protection can help cover the sudden expenses that result from a health emergency. Even with health care insurance, the out-of-pocket medical costs can be a significant burden on the patient. That is where disability insurance comes in.
What is a Stroke?
A stroke is caused by a reduced or interrupted blood supply to the brain, which prevents nutrients and oxygen from reaching the brain and kills brain cells. Someone experiencing a stroke might experience paralysis, headache, or vision problems, or trouble walking or speaking. Immediate health care is crucial, but survivors may still experience physical or cognitive impairment long after a stroke.
How Disability Insurance Can Assist
Short-Term Disability Insurance
Stroke patients can use the funds of short-term disability insurance to help pay off deductibles, provide physical rehabilitation, provide assistance around the house, or cover lost income if their health condition keeps them out of work. However, most short-term disability policies offer coverage for three to six months after a major health problem. This helps relieve the financial strain of a health emergency, particularly for employees with high-deductible health policies.
Long-Term Disability Insurance
Long-term disability insurance can assist patients with more severe impairments who may require more recovery time. It starts by paying benefits after an initial waiting period—typically up to three to six months.
Other Benefits to Consider
Disability insurance can help replace lost income if a stroke survivor cannot work. Still, there are supplemental benefits that may help alleviate the financial burden of recovering from a stroke even before disability payments begin. Critical illness insurance typically covers stroke by paying the benefits directly to the insured to help pay for medical bills or other costs related to a serious illness. In case of an extended hospital stay, hospital indemnity insurance pays benefits related to confinement and admission that may add up quickly.
Find the Right Health Insurance Solutions for Your Needs
Malden Solutions has a wealth of expertise in providing employer insurance solutions, HR solutions, and individual insurance solutions to businesses both big and small. Our team of seasoned professionals can help you navigate the rapidly changing world of insurance with ease. We partner with businesses and individuals throughout the country to provide our dedicated services for employee benefits but also work within our surrounding communities in Maryland, Northern Virginia, and Washington, D.C. Contact us today to learn more about how we can provide effective, dynamic solutions for your business. Stay connected with us on X, Facebook, and Linkedin