Disability Insurance

An accident or illness may make it impossible to work. This may mean a drastic drop in income. Disability insurance benefits replace part of the wages lost.


If you’re considering buying a disability insurance policy, ask the following:


•  What percentage of your pre-tax salary is paid out? (50 to 60% is average.) How are benefits paid out? Are payments the same or greater in the first few months?

•  Is there a guarantee that the policy can be renewed?

•  How long will benefits be paid? Months, years, a lifetime?

•  Are pre-existing or chronic conditions included?

•  Can you get disability insurance from your place of work?* How much will this cost you? Group policies may be more flexible on chronic conditions.

* Veterans can get information on disability compensation from 1-800-827-1000 and www.va.gov.

This website is not meant to substitute for expert medical advice or treatment. Follow your doctor’s or health care provider’s advice if it differs from what is given in this guide.


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