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Disability Insurance

Insurance that provides financial aid in case of an illness or injury preventing you from working is known as disability insurance. It replaces a portion of your income, helping you pay for everyday expenses and avoid financial setbacks during this difficult time.

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Short-term disability policies offer coverage for a period of up to two years, while long-term disability policies may extend benefits beyond that timeframe. Short-term disability policies provide benefits for up to two years, while long-term disability policies can cover up to age 65 or longer depending on the policy’s definition of “disabled”. The maximum benefit period may vary by state law and policy specifics, so it’s important to read the fine print when shopping around for coverage.

We Can Help You Choose the Right Plan

When selecting a policy, consider key features such as the waiting period (how long before benefits begin), benefit amount (typically between 50% - 70% of after-tax income) and cost-of living adjustment availability (which helps keep pace with inflation). You should also check eligibility criteria for Social Security Income programs in case you need additional support beyond what private companies offer.


It's important to be aware of the differences between group plans offered through employers versus individual plans purchased directly from an insurance carrier; some employers may contribute towards premiums, so it pays to do your due diligence and ask about any potential employer contributions. Additionally, take into account variations such as transitional own occupation definitions which provide more flexibility than traditional ones along with partial disability payment riders that enable employees who suffer partial disabilities to receive payments rather than having their claim denied on the basis of total disability status alone.

Grasping these subtleties can guarantee you acquire the right amount of cover without squandering cash on superfluous frills or neglecting to get fundamental components that could be basic sometime in the future. Comprehending disability insurance is a key part of financial organizing, and having the appropriate protection for your necessities is critical. It is imperative to work with an expert like Resolute Insurance Advisors so you can be aware of the various kinds of policies accessible so as to pick out the one that best suits your specific circumstances.

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