An updated overview of Prudential disability insurance in 2025: what disability policies cover, what to check in a Prudential contract, common causes of disability, and how to handle claim disputes.
Disability insurance replaces income if illness or injury prevents you from working. Employer plans help but often fall short; private policies and careful carrier selection provide better protection. Check financial ratings, policy definitions, and renewal guarantees.
If you're self-employed, disability insurance can replace part of your income if illness or injury prevents you from working. Compare own-occupation vs any-occupation rules, short- and long-term options, elimination periods, riders, and how underwriting and state programs affect coverage.
Compare mortgage, life, and disability insurance by purpose: PMI protects the lender when your down payment is under 20%; life insurance replaces income for survivors; disability insurance replaces your earnings if you can't work. Inventory existing benefits and shop options before deciding.
Self-employed workers can - and often should - buy disability insurance. Prioritize own-occupation definitions, choose elimination and benefit periods that match your savings, and consider business-overhead coverage to protect ongoing expenses.