Explore long-term disability insurance options and benefits. We'll guide you through selecting the perfect plan for your lifestyle.
Long-term disability insurance protects you if you become ill or injured and can't work for six months or more. We reviewed the best long-term disability insurance plans based on coverage, wait per...
Learn about long term disability insurance and how it can protect your income in the event you are unable to work due to an illness or injury.
We compared long-term disability insurance quotes, average costs, and ways to save to help you determine if long-term disability insurance is worth it.
What are the benefits of disability insurance? · Your ability to work and earn income is likely your most valuable asset. When serious injury or illness keeps you from working, your income and lifestyle are at risk – and that risk is more substantial than most people think: 1 in 4 workers will become disabled during their working years. *Disability income insurance provides partial income so you can pay your bills if you get too sick or injured to work. Whether you have short term, long term...
Short-term disability insurance, Long-term disability insurance ; Lasts for 13-26 weeks, Plans vary but typically 5 years to retirement age ; Replaces 40-70% of base income, Replaces 40-60% of base income ; Short waiting period (also called elimination period) before receiving benefits, For most carriers, 90 days is the most common waiting period, but they can be 30, 60, or 90 days, or even 6 months or a year.
Learn the difference between the two primary types of disability insurance: short term and long term, to choose the right protection for you
Short-term disability : Broken leg or hand · Prolonged sickness, like glandular fever · Arthritis, back pain or joint disorders · Chronic digestive disorders · Anxiety, depression or other mental health condition · Pregnancy and maternity leave, Long-term disability : Osteoarthritis, chronic back pain or slipped disks · Accidental injuries, like car accident trauma · Heart problems · Circulatory conditions, like coronary artery disease · PTSD and other chronic mental health con...
Mutual of Omaha is our choice for the best overall short-term disability insurance due to its benefits period of up to 10 years, among other features. This type of coverage protects a...
Long-term disability insurance protects your income if you’re sick or injured and can’t work. Without long-term disability insurance, you’d have to rely on your savings to get by while you’re out o...