Disability

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Disability insurance replaces a portion of your income if an illness or injury prevents you from working. It helps you maintain your lifestyle, pay your bills, and protect your family during a period when your income suddenly stops. Whether you’re employed, self-employed, or running a business, disability coverage ensures you’re supported financially while you recover and get back on your feet.

A woman with glasses working on a computer in an office with large windows overlooking a green, water, and trees landscape.
Two women in a classroom or library, one with glasses and a green blazer, presenting or discussing with notebooks, while an out of focus person in the foreground listens.
A delivery person in a yellow jacket and helmet handing over a package to a woman at a cafe counter. The woman has glasses, a gray shirt, an apron, and is holding a tablet. There are shelves with bottles in the background.
A man wearing a grey knit sweater and a grey beanie sitting on a light-colored couch, using a silver laptop in a modern indoor setting.

Who it’s for

  • Employees who rely on their income

  • Self-employed individuals

  • Contractors and freelancers

  • Business owners

  • Parents and homeowners

  • Anyone without enough savings to cover long periods without income

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Types of Disability Insurance

Short-Term Disability (STD)

  • Covers temporary disabilities

  • Usually replaces income for a few weeks up to 6 months

  • Often used for short recovery periods or temporary illnesses

  • Some employers include STD in their group plans

Long-Term Disability (LTD)

  • Covers serious or long-lasting disabilities

  • Can last for years, or until age 65 depending on the plan

  • Replaces a portion of your income (commonly 60–85%)

  • Essential for self-employed individuals or anyone relying heavily on their earnings

Young woman with glasses, studying or working at a wooden desk with a laptop, phone, coffee, and open books, near a window with a potted cactus.

  • Coverage varies by insurer, but disability insurance typically protects you if you cannot work due to:

    • Accidents or injuries

    • Chronic pain

    • Back or joint disorders

    • Cancer and cancer treatments

    • Heart conditions

    • Stroke recovery

    • Autoimmune diseases

    • Neurological disorders

    • Complications after surgery

    • Long-term illnesses that prevent you from performing your job

    • Mental health conditions such as anxiety, depression, PTSD, and other psychiatric disorders

    (Exact definitions depend on the insurer and whether the policy is “own occupation” or “any occupation.”)

  • Most plans replace 60%–85% of your income, depending on whether the policy is individual or part of a group plan. We’ll calculate the amount that fits your income and financial responsibilities.

  • Item descriptionOwn Occupation: You’re covered if you can’t perform your specific job, even if you could work in a different role.

    • Any Occupation: You must be unable to perform any reasonable job to qualify.
      Own occupation offers stronger protection — especially for specialized roles.

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