It's like insurance for your paycheck
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Congratulations on taking the first step to protect your income! Most people don't, so you're ahead of the pack.
Long-term disability insurance replaces your income if you're unable to work because of injury or illness.
Long-term means more than 30 days. For disabilities shorter than that, you should rely on your savings and any short-term disability coverage you may have through your employer.
Long-term disability insurance is not the same as long-term care insurance.
Learn more about the differencesHow it works
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Design the policy you want
We'll guide you through some easy Q&A to select the best features for your policy.
We find you the best options
We’ll analyze your options and email you the top 2-3 plans. You’ll get a side-by-side comparison. Just pick one to apply!
Long-term disability insurance is different from long-term care insurance
The similar names can be confusing, but it's important to understand that these are totally separate insurance products. Disability insurance is a safety net for your paycheck: if you're out of work due to an extended illness or injury and your policy kicks in, you'll receive a portion of your normal income to help cover regular bills. Long-term care insurance, on the other hand, pays for home-health or nursing expenses, beyond what health insurance covers. Many candidates considering disability insurance would also benefit from long-term care coverage.
A side by side comparison | Long-term disability | Long-term care |
|---|---|---|
Pays monthly benefit if you're unable to work | ||
Pays for home health assistance or nursing home | ||
Cash benefit to help cover regular bills | ||
Can help protect your savings if you suffer from a long-term health condition or injury |
