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Disability Insurance

Learn about Disability Insurance


Disability insurance is available for helping to replace any lost income should you become injured and be unable to work. In discussing this with an insurance professional, you’ll likely be pleasantly surprised at the various kinds of coverage you can choose with good disability insurance.

Types of Coverage

The two kinds of disability insurance protection come in the form of short-term disability coverage and long-term disability coverage. There is a range of helpful benefits provided in each of these policy types that are designed to protect policyholders from the many disability conditions that can strike.

Short-Term Disability Coverage

This variation is used to replace any lost income (up to 80% or more) for shorter periods of time being unable to work. Varying with each policy, the duration is normally from 60 to 180 days of coverage. For instance, if you face a major surgical procedure and recovery might take just a few months, then good short-term disability coverage is the best way to replace lost income. Keep in mind that there is a short elimination period required, often around 10 days, before the coverage is usually put into effect. Each state may have different and unique requirements for state-run policies as opposed to the kinds offered by private insurance providers.

Long- Term Disability Protection

If your short-term policy ends but you’re still not able to resume working, carrying long-term disability insurance coverage can help in a big way. This form of coverage usually begins to provide benefits when you’re unable to resume work for a longer term, usually beyond 180 days. Long-term disability coverage can cover up to 60% of your prior salary, which is less than the typical short-term payouts, but this coverage can last for years. (Depending on the kind of policy you purchase, it can stay in effect even for the remainder of your life.)


Many incorrectly believe that employers or the government will provide them with disability coverage. Though a few states mandate that employers provide their employees with disability coverage, which can go a long way in addressing this issue, it is incumbent upon the individual to be fully informed on his or her needs. State workers’ compensation insurance packages can help employees who are injured while on the job. Talk with your insurance professional to ensure that, should the unexpected happen, you and your family are financially safeguarded.