What is Disability Insurance?

Disability Insurance provides income replacement if you’re unable to work due to a covered illness or injury. It ensures you can meet your everyday financial obligations even when you’re recovering or unable to earn.

Key Benefits

• Receive a monthly income while you’re out of work
• Covers accidents, chronic illness, and temporary disability
• Customizable benefit periods and waiting times
• Affordable plans for self-employed, business owners, and employees

Who Is It For?

Disability insurance is essential for anyone who relies on their paycheck. It’s especially important for self-employed professionals, independent contractors, and primary income earners in a household.

FAQs

How soon do benefits start?
It depends on the waiting period you choose—usually between 30 and 90 days after the disability begins.

Is this the same as Workers’ Compensation?
No. Workers’ Comp covers on-the-job injuries only. Disability Insurance protects you from both on and off-the-job health setbacks.