Category

Disability insurance

Disability insurance is income protection. If you rely on your paycheck, this can be one of the most important coverages to understand.
This section explains short term vs long term coverage, elimination periods, benefit periods, and why the definition of disability matters, especially own occupation vs any occupation.
We also cover employer plans, taxes on benefits, and options for self employed people and professionals with higher income. The goal is to keep your life stable if illness or injury takes you out of work.