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.
Disability insurance protects income but varies widely by definition, tax treatment and offsets. Shop beyond price: compare benefit definitions, riders, tax implications and group discounts to find reasonable cost and adequate protection.
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.
Disability insurance replaces part of your income if illness or injury prevents you from working. Compare employer plans with private policies, check definitions like "own occupation," and prioritize renewability and insurer strength.
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.