Short-term disability insurance replaces part of your income for a limited time after illness or injury. For self-employed people, it helps cover essential bills during recovery. Compare benefit amount, waiting period, benefit length, riders and exclusions 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.
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 short-term and long-term plans by benefit amount, elimination period, and the policy's definition of disability.