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About Disability Insurance

What Is Disability Insurance?

Disability insurance is a type of insurance used to protect professionals against the risk of becoming unable to work due to an injury or illness. If you become unable to work as the result of an injury or illness, disability insurance will provide you a monthly benefit that replaces a percentage of your regular earnings.

How Does Disability Insurance Work?

Conceptually, disability insurance is fairly simple – if an injury or illness prevents you from working, the insurance company will pay you a monthly benefit. In actuality though, every disability insurance policy is different and the provisions and definitions used within each policy are what determines how the policy works and in what circumstances it will pay benefits.

Disability Insurance Policy Details

Every disability insurance policy is unique and the contractual definitions and provisions of which it is composed, heavily impact the quality of the policy. Use the following links to learn more about the details of a disability insurance policy:

  • Disability insurance policy terms
  • Disability insurance policy riders
  • Definition of total disabilitys

Types of Disability Insurance

Not only are the provisions and definitions of each disability insurance policy different, but there are also different types of disability insurance available today. The following can be used to better understand the differences:

  • Long-term disability insurance
  • Supplemental disability insurance
  • Short-term disability insurance

Applying for Disability Insurance

Getting started is easy. You can begin by calling us at 1-800-817-4522 or requesting a disability insurance quote. One of our specialists will work closely with you in selecting and applying for a disability insurance policy.

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