Personal Insurance
Disability Insurance
Short-term and long-term disability insurance that helps replace part of your income if illness or injury keeps you from working.
Your ability to earn a paycheck is one of your most valuable assets. Disability insurance can help replace a portion of your income if an illness or injury keeps you from working, so you can keep up with your mortgage, bills, and everyday expenses while you recover.
Disability policies come with a lot of terms that can be confusing, from waiting periods to benefit periods and riders. We'll explain them in plain language, compare carriers, and help you find coverage that fits your income, your job, and your budget.
What Disability Insurance typically covers
Short-Term Disability
Typically begins after a short waiting period, often 0 to 14 days, and pays benefits for a limited time, usually up to two years.
Long-Term Disability
Typically begins after a longer waiting period, from several weeks to several months, and can pay benefits for years or, with some policies, to retirement age.
Renewal Protections
Non-cancelable and guaranteed renewable provisions can protect your ability to keep your coverage, with terms that vary by policy.
Optional Riders
Options may include cost-of-living adjustments, partial or residual disability benefits, future purchase options, and waiver of premium.
Related coverage
Common questions
Do I need disability insurance if I have coverage through work?
Employer coverage is a great start, but it may replace only part of your income, may be taxable, and usually ends if you leave your job. An individual policy can help fill the gap.
What's the difference between short-term and long-term disability?
Short-term disability usually starts quickly and pays for a limited period. Long-term disability starts after a longer waiting period and can pay benefits for much longer. Many people consider both.
How much of my income can disability insurance replace?
Policies typically replace a percentage of your income rather than all of it. We'll help you estimate a benefit amount that fits your monthly obligations.
Ready to protect what matters with the right disability coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.