Disability insurance is a type of coverage that replaces a portion of your income (typically 50-70%) if an injury, illness, or pregnancy prevents you from working. It ensures financial stability by covering living expenses when regular paychecks stop. Policies are categorized into short-term (up to 1-2 years) and long-term (multiple years to retirement).


Key Details About Disability Insurance

  1. Types of Coverage:
  2. Short-Term Disability (STD): Covers illnesses or injuries for a short period, often with a 0-14 day waiting period
  3. Long-Term Disability (LTD): Begins after STD ends, providing coverage for months or years.
  4. Social Security Disability Insurance (SSDI) A federal program for long-term, total disability.


  1. Purpose: Protects your income if you cannot work due to a non-work-related injury or illness.
  2. How it Works: Generally, it pays a percentage of your base salary. It often kicks in after sick pay, vacation time, and other paid leaves are exhausted.
  3. Sources:
  4. Employer-sponsored: Group coverage offered through work.
  5. Individual policies: Purchased on your own.
  6. State programs: Some states, like California, offer state-mandated disability insurance.
  7. Cost: Premiums are determined by factors such as age, occupation, and the amount of coverage.


Disability insurance helps cover essential expenses like rent/mortgage, groceries, and car payments.

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