Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury. It helps cover everyday expenses and maintain financial stability while you recover.
Short-Term Disability (STD)
Provides income for a limited time, typically a few weeks up to six months. Benefits begin quickly after a qualifying illness or injury.
Long-Term Disability (LTD)
Offers extended income protection for more serious conditions. Benefits usually start after short-term coverage ends and can last for years or until retirement.
Individual Disability Insurance
A personal policy you own that stays with you regardless of your employer. Ideal for supplementing group coverage or replacing it entirely.