Disability Insurance

Disability Insurance provides a source of income to people who are unable to work due to an accident or illness. Without disability insurance protection, workers and their dependents are “living on the edge,” at risk of losing their homes and investments.

Disability Insurance

Your home is your biggest asset, where you spend the most wonderful moments with people you love, and it has to be protected. Disability insurance makes sure your family has the funds needed to pay those monthly mortgage payments.
Disability Insurance provides a source of income to people who are unable to work due to an accident or illness. Without disability insurance protection, workers and their dependents are “living on the edge,” at risk of losing their homes and investments.

There are two basic types of disability insurance.

Short term disability insurance policies offer a worker a portion of their salary if they are unable to work for a short period—typically three to six months.

Long term disability insurance offers a worker a portion of their salary if they are unable to work for a longer period—typically a period of over six months.

Both short term and long term disability policies have a period that a person must be disabled for before that individual is able to start receiving disability benefits. That period of time is called an elimination period. If a person becomes disabled, they must wait until the elimination period is over before they start receiving benefits. If they are able to work before the elimination period is over, the person will not receive a benefit.

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