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Disability insurance pays an insured person an income when that person is unable to work because of an accident or an illness.   If you became disabled, what would you or your family do if you did not have an income?  It's something you don't plan on, but it's something you should be prepared for.  Disability happens without any warning!

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Your income can be replaced in 3 different ways; employer paid disability, social security disability benefits or individual disability income insurance policies.  Be aware of what your employer pays so that you are not paying too much for a separate policy that you don't need.

There are 2 different types of disability insurance:

Short Term - have a waiting period of 0 - 14 days with a maximum benefit period of no longer than 2 years.

Long Term - have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

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