Disability insurance replaces part of your income if illness or injury prevents you from working. Compare short-term vs long-term, group vs individual, key policy features, premiums drivers, and tax rules before you buy.
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.
Individual disability insurance replaces part of your income when illness or injury prevents work. Compare definitions, benefit periods, and riders - don't pick coverage on price alone.
Nursing home insurance is part of the broader long-term care insurance family. Modern policies cover home care, assisted living, respite care and nursing homes, and come with choices like per-diem vs pooled benefits, elimination periods, and inflation protection.
Disability insurance replaces part of your income if illness or injury prevents you from working. Compare short-term and long-term plans by benefit amount, elimination period, and the policy's definition of disability.