Experiencing a disabling injury or sickness often means a significant loss of income. Disability insurance is a type of health insurance that provides you with an income should you become sick or injured and unable to work. It protects your family against a financial troubles by giving you an income to meet daily expenses.
Disability insurance comes in two major forms:
Disability coverage can last for different lengths of time. Short-term disability coverage provides benefits for a short period of time, usually 13, 26, or 52 weeks, and up to a maximum of five years. A long-term policy may provide benefits up to age 65, the normal retirement age.