What's the difference between short-term and long-term disability?

Short-term coverage helps for a few weeks to months after an illness or injury, while long-term coverage can last years or until retirement. Many people use them together for fuller protection.

Doesn't my employer already cover this?

Some employers offer disability coverage, but it often replaces only part of your income and may not follow you if you change jobs. An individual policy can fill the gaps and stay with you.

What counts as a disability?

It varies by policy, but it generally means a health condition that prevents you from doing your job. Definitions matter a lot here, so it's worth having a licensed advisor explain the fine print.

How much of my income can it replace?

Policies commonly replace around 40 to 70 percent of your income. The exact amount depends on the plan you choose and your situation.

Life & Health coverage

Disability Insurance

Your paycheck is likely your biggest asset, yet an illness or injury that keeps you from working can erase it while the bills keep coming. Disability insurance replaces a portion of your income during that gap — the stretch when you're too sick to earn but still years from retirement — a risk that's far more common than most people assume.

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Who this coverage is for

Disability insurance is for working people who rely on their paycheck and want a safety net if illness or injury keeps them from doing their job. It replaces a portion of your income so you can keep paying the bills while you recover.

What it can help protect

Your ability to earn a living is one of your biggest assets. If you can't work, this coverage helps protect:

Your regular income \u{2014} pays a percentage of your paycheck while you're unable to work.
Your household bills \u{2014} keeps the mortgage, rent, and utilities on track during recovery.
Your savings \u{2014} helps you avoid draining retirement or emergency funds to get by.
Your peace of mind \u{2014} lets you focus on getting better instead of worrying about money.

Regularly misunderstood coverages

Own-Occupation vs. Any-Occupation Disability

The one definition that decides your claim.

Related comparisons:

Short-Term vs. Long-Term Disability

Key choices and underwriting factors

A licensed review will usually focus on benefit amount and waiting period, own-occupation vs other definitions, and individual vs employer-sponsored layering.

Disability Insurance

Who this coverage is for

What it can help protect

Key choices and underwriting factors

Common Questions

What's the difference between short-term and long-term disability? expand_more

Doesn't my employer already cover this? expand_more

What counts as a disability? expand_more

How much of my income can it replace? expand_more