DISABILITY INSURANCE

Disability Insurance covers a portion of your income if you become unable to work due to a qualifiying illness or injury. It typically replaces a percentage of your earnings, providing financial support during your recovery or inability to work. Common reasons for disability insurance claims include, accidents, illness, pregnancy and chronic pain.

Income Replacement

Disability Insurance is designed to replace a portion of your income, when you're unable to work due to a covered disability.

Coverage for Various Conditions

It can cover a wide range of disabilities, including physical injuries, illnesses, mental health conditions including pregnancy and childbirth.

Short-Term and Long-Term options:

Disability insurance can be short-term, covering a few months to a year, or long-term, providing benefits for many years or even until retirement age.



Employer Sponsored vs. Individual Policies

Some employees receive disability insurance through their employer which may be short-term or long-term.  Individuals can also purchase their own disability insurance.

Not Coverage For Everything

Disability  Insurance generally doesn't cover medical expenses or long-term services. It also doesn't provide benefits after age 65.