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.
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.
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.
Florida has no statewide disability plan. Residents must rely on employer benefits or private policies. Know the limits of workers' comp and SSDI, and compare short- and long-term policies to protect income.