Insurance Law Disability

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insurance law disability

If you became sick or hurt and couldn't work, how would you pay your bills? How would you maintain your living standard? If you're like most people, your ability to get up each day and earn an income is one of your most valuable assets. Furthermore, your chances of becoming disabled at some time during your working career are probably higher than you would expect.

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Disability insurance can replace a portion of your income when you are unable to work because of injury or illness. There are two major types of disability coverage:

Short term disability provides an income for the early part of a disability. A policy may pay benefits for two weeks up to two years. Short term disability is often included as part of an employee benefits package.
Long term disability helps replace income for an extended period of time, usually ending after five years or when the disabled person turns 65. Some people have long term disability insurance provided by their employers; others purchase it individually.

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