Disability Insurance

Disability insurance can help protect your finances if you suffer from an unexpected injury or illness that prevents you from working. With disability insurance, you may receive a portion of your income even after you can no longer work, whether for a short or long period. Learn more about disability insurance below.

Short and Long-Term Disability Insurance

There are typically two types of disability insurance: short-term and long-term disability.

• Short-term disability coverage can help replace income immediately after a covered person experiences a disability. There is typically a specific amount of time of injury or illness that a short-term disability policy will cover.
• Long-term disability insurance helps provide income if the disability lasts for years. With long-term disability coverage, there may be a more extended grace period between the illness or accident and when you begin receiving payments.

Who Needs Disability Insurance?

Any employee who depends on their income from work to pay bills may benefit from having disability insurance coverage after an accident or illness prevents them from continuing with their job.

How to Get Disability Insurance

You may have several choices for disability insurance coverage, including group coverage through your employer, short-term disability insurance, long-term disability insurance or supplemental disability coverage.

Contact Smith-Berclair Insurance today to learn more about this essential coverage and get a quote.