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Disability insurance is a form of income protection. If you’re hurt or sick and can’t work, you can file a claim and your disability insurance can pay out in regular installments until you go back to work or until the policy term ends.
Disability insurance can replace your income if you're too sick or injured to work, paying out regular benefits to cover expenses like rent or mortgage, much like a pay check
Disability insurance can cover lots of different injuries and illnesses that can keep you out of work, including anxiety or depression, broken bones from an accident, and more.
Long-term disability insurance can last anywhere from one year to through retirement age (usually 65 to 67). The longer your benefit period, the more expensive your policy will be.
Like long-term disability insurance, short-term disability insurance can cover up to 60% of your pre-tax income if you can’t work. The difference is that short-term disability coverage usually only lasts for up to a year.
Group disability insurance just describes a policy you get through work or another organization. You may still need your own long-term disability policy.
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We have everything you need to help you get the right disability insurance for your needs.
"If you have dependents who rely on your income, don’t have a lot in savings, make a lot of money, or work in a specialized or dangerous job, you should have disability insurance."
"Learn what to expect when shopping for disability insurance and how occupation, age, health, and other factors can impact your personal rates."
"You can improve your disability insurance coverage with extra features called “riders.” Some riders come standard as a part of a disability insurance policy, but others can be added for an additional fee."
"There are two main types of personal disability insurance — short term and long term. But there are other kinds of personal disability insurance policies, along with Social Security disability and state disability insurance."
"An elimination period is the amount of time you have to wait between a disabling illness or injury and when you start getting payments from your disability insurance company."
"Pre-existing conditions typically aren’t covered by disability insurance, so if you already have a diagnosed issue when you buy a policy, it will be excluded from coverage."
"Long-term disability insurance rates normally depend on your income, age, health, benefit period, and coverage level, as well as other factors."
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