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What causes disability? This is a question that has more than one answer and is subject to the context of the situation. In other words, it depends on who you are and what you are doing.  However, a disability is generally considered to be the result of an illness or accident. Often, these kinds of disabilities occur while someone is working. This can cause serious financial problems. For instance, imagine a mother of five who works every day to feed her family and sustain her home. What if she were to succumb to an accident and become disabled – where would the money come from then?

One such way to insure income protection is with Minnesota disability insurance. This kind of insurance is great for multiple reasons. Some of the benefits include making sure that you receive a significant percentage of your monthly income while disabled, as well as receiving the recovery treatment to speed up the process. The motto here is that the insurance agencies want to help you, as quickly as possible, get back to work – and this is a good thing.

The truth of the matter is not everyone has a relevant claim to apply for disability insurance.  Minnesota residents work a variety of different jobs. Perhaps the most obvious candidates for such a policy are those with physically demanding jobs and/or those that make them vulnerable to injuries. However, insurance can be filed for anyone employed. You could, for instance, be injured walking to the washroom or driving to work.

The best time to apply for Minnesota disability insurance is either a) at the beginning of the year or b) when starting a new job. Although anyone can apply for this insurance at any time of the year, making sure you have it before a disability occurs is essential in ensuring that benefits are received immediately.

If you want to find out more, or are ready to apply for disability insurance, Minnesota residents should use Not only does the website include all the information you need, but live agents are also standing by to take your questions, as well you give you a realistic quote.