How Georgia Workers Can Protect Their Paychecks Due To Injury and Illness

Shawn Plummer

CEO, The Annuity Expert

If you’re a Georgia resident that can’t afford to lose a paycheck to maintain your livelihood, you’re going to need some sort of disability to fill in gaps when you get sick, injured, or terminally ill. In these sorts of situations, it can be stressful to balance living paycheck to paycheck and wondering how to protect your loved ones financially at the same time. In this guide, I will show you how to protect your incoming paycheck flow and your family in the cheapest way possible.

Accident Insurance + Life Insurance

Combining Accident Insurance and Life Insurance is the cheapest method to protect your paycheck while you’re alive, and protect your family if you die suddenly.

Step #1:  Buy Accident Insurance.

Step #2:  Buy Life Insurance.

Tip*  Compare life insurance rates just to make sure you’re getting the cheapest rate possible. Click Here.

Protect Your Income If Injured Or Sick In Georgia

Ideal Candidates For Accident Insurance

Disability and Unemployment Resources

Accident Insurance Coverage Options

You’ll shop accident insurance coverage, decide the coverage you’d like, and how much coverage you’d like.  Some options to consider are:

  • Accidental Injury
  • Hospital Admission
  • Critical Illness
  • Accidental Death & Dismemberment

Accidental Injury Coverage

Accidental injury covers expenses in addition to benefits received from other insurance companies. 

Let’s your insurance coverage only covers a percentage of services like surgeries, ambulance transportation, x-rays, etc, and you’re stuck with the remaining portion of the bill, the accidental injury will help cover the amount of expenses that are out of your pocket.

Critical Illness

If something dramatic occurs to you health-wise, and you can’t work,  critical illness coverage is designed to supplement income while you’re recovering.


  • Heart Attack
  • Stroke
  • Cancer
  • Coma
  • Paralysis
  • Organ/Tissue Failure
  • Third Degree Burns
  • End-Stage Renal Failure
  • Loss of Hearing
  • Loss of Speech
  • Loss of Vision
  • Brain Tumor
  • Heart Illnesses

Accidental Death & Dismemberment (AD&D)

Just like it sounds, AD&D offers financial benefits to you if one or more limbs are severed. This benefit can help pay for hospital bills, rehab expenses, and prosthetics.

Hospital Admission

Hospital admission coverage offers a financial benefit to help pay for the medical expenses in case you get sick.  Remember, most health insurance plans only cover a portion of the medical bill along with copays.  This coverage helps pays the remainder that you owe.

Other Georgia Insurance

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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