Employer-sponsored short-term and long-term disability insurance replaces part of your income during medical leaves. Review plan details - benefit level, waiting period, duration, and who pays premiums - to understand how coverage protects your household budget.
If you're self-employed, between jobs, or lack employer coverage, an individual health plan reduces financial risk from accidents, chronic illness, and surprise hospital bills. Learn what modern plans cover, how the Affordable Care Act changed underwriting, and practical ways to shop for and lower costs.
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.