First in Protecting, Your Income.
Insurance policy that pays disability benefit as a partial replacement of income lost due to illness or injury. Most disability insurance policies pay a fixed sum for a fixed period, while others pay a monthly sum for the entire period the insured is disabled from earning suitable income (as determined by his or her qualifications, experience, and training).
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Types of Disability Policies
There are two types of disability policies:
- Short-term disability policies have a maximum benefit of two years.
- Long-term disability policies have benefits that can last the rest of your life.
Employers may offer short-term disability coverage, long-term disability coverage, or integrate both of these as part of a competitive employee benefits package.
When purchasing individual disability insurance coverage, you should ask:
How is disability defined?
When do benefits begin?
How long do benefits last?
What dollar amount is promised?
Here is a collection of documents, guides, and manuals that we currently have available for download. You can print or save this to your computer.