Imagine this: You’re injured, sick, or recovering from surgery and can’t work for weeks — or even months. Your bills don’t stop, but your paycheck does. That’s where disability insurance steps in.
Disability insurance replaces a portion of your income if you’re unable to work due to a non-work-related injury or illness. It’s one of the most overlooked but essential types of coverage — especially for working professionals, entrepreneurs, and families who rely on a steady income.
What Is Disability Insurance?
Disability insurance pays a portion of your income if a medical condition prevents you from working. There are two main types:
Short-Term Disability
~ Covers temporary conditions like injury, illness, or childbirth recovery
~ Benefits usually last 3 to 6 months
~ Often has a waiting period of 1–14 days before benefits begin
Long-Term Disability
~ Covers more serious or long-lasting conditions
~ Benefits can last 2 years, 5 years, or until retirement age
~ Waiting period is typically 30 to 90 days
💡 Many people choose to have both types — short-term for immediate needs, and long-term for major life events or chronic illness.
Your ability to earn a living is one of your most valuable assets — and disability insurance protects that. Whether you’re a full-time employee, self-employed, or a caregiver with a side hustle, having coverage in place means peace of mind during unexpected health challenges.
Need help comparing policies or finding the best rate? Contact us and will explore your options today!
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