Disability Insurance Information
What is Disability Insurance?
Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability.
What is Short-Term Disability (STD)?
Short-Term Disability policies have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
What is Long-Term Disability (LTD)?
Long-Term Disability policies have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.