More than a quarter of today's 20-year-olds will experience a disabling injury or illness before retirement. Disability insurance replaces income when you can't work.
Coverage generally falls into two timeframes, and many people carry both.
Replaces a portion of your income for a few weeks to about a year, for recovery from surgery, injury, or illness.
Kicks in after short-term coverage ends and can continue for years — or until retirement — for more serious or lasting conditions.
That means workers' compensation usually won't cover it. Disability insurance is one of the only ways to protect your income from an injury or illness that has nothing to do with your job.
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Coverage often pairs with these — take a look while you're here.
Definitions vary by policy, but most cover injuries or illnesses — physical or mental — that prevent you from performing your job duties for longer than the elimination period.
Typically 50–70% of your gross income, designed to cover essential expenses while you're unable to work, not fully replace your paycheck.
Short-term covers weeks to about a year; long-term picks up after that and can last for years or until retirement, depending on the policy.
Yes — called an elimination period, often 7–14 days for short-term plans and 90+ days for long-term plans. Benefits begin after that window.
Some employers offer basic coverage, but it's often limited. We'll help you see what you already have and whether it's enough.
Cost depends on your age, occupation, and coverage amount. We compare plans from multiple carriers so you can see real pricing before deciding.
