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As many as 43% of individuals aged 40 will have a long-term disability by the time they turn 65. Enrolling in a disability income insurance policy can help individuals mitigate any losses that stem from an illness or accident that leads to a short- or long-term disability. *indicate source
An insurance plan that pays some of a person’s income when he or she is disabled from an illness or injury and cannot work. The two main types of disability insurance are short-term disability (STD) and long-term disability (LTD). STD may last for up to 2 years. LTD usually begins after STD ends and may last for a person’s lifetime.
Disability income insurance helps protect people from financial losses if an accident or illness renders them incapable of working and receiving regular income.
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